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Protecting Your Family and Home from Fall Weather

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High Winds, heavy rains, leaves, leaves and more leaves.  All of these things can cause some serious damage to your home and property.

 

For the most part, however, damage to your house because of these conditions can be prevented.

 

Here are a few of the most common causes of damage during the Autumn season and how you can prevent them from occurring.

 

 

  • High Wind and Heavy Rain.

It was right about this time in 2012 that we all started looking at the radar planning for a Superstorm named Sandy.   Hurricane season will not end until November 30th so the potential for high winds is not going away anytime soon.

Wind can cause enough damage on it’s own.  But the real trouble emerges when you add heavy soaking rain to the high winds.  The wind can very easily rip shingles off of a roof and even siding off of a house exposing the home to rain.  When this happens you can expect a significant amount of interior water damage.

 

How to Prevent the Damage

 

  1. Prepare.  Get a tarp in case your siding blows off.  If the siding blows off, hang the tarp up to prevent rain from getting in.
  2. Gather a few numbers for local roofers and emergency service providers. Don’t go up on your roof if it is still raining! Allow a professional to do it for you.  If you are person that thinks they can do anything then….
  3. Get Life Insurance.  Your family very well may need it.

 

  • Fallen Trees.

Trees fall at all times of the year but especially when the ground becomes saturated and the winds become heavier.  We seem to see more in the season of Fall than any other.  Fallen trees can cause an unbelievable amount of damage in some cases going right through your house and landing in your living room or on your car.

 

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How to Prevent the Damage

If you see a dead tree near your house or another structure located on your property, get it cut down.  As soon as possible.  Eventually that dead tree will drop and if it’s near your house, there is a good chance it’s going to land where you don’t want it to.

If your neighbor has a dead tree located on his property but is close to your house, ask them to cut it down.  If they refuse, send a certified letter to them with a formal request.  Document everything.  When his tree does fall on your house, that documentation will help your insurance carrier prove they were negligent.  If you cannot prove your neighbor’s negligence than the damage sustained to your house due to your neighbor’s tree will all be on you and your carrier.

 

  • Leaves and Debris clogging gutters and downspouts.

About 2 months after we moved in to our house we had a crazy Fall rainstorm.  Rain was literally pouring out of our gutters, onto the ground and straight into a window well of our basement.  Water was pouring down the back wall of our basement.  We didn’t know what the heck was going on!!!

Once the storm passed we went outside and discovered that our gutter was clogged.  I took about four or five hand fulls of leaves and debris from the gutter and there has not been a problem since.

Luckily for us, this happened in the back section of our basement which is unfinished and very easy to clean.  Had it happened in the front section of the house we would have had some serious damage.

 

How to Prevent the Damage

  • Check your gutters often to make sure they are not clogged.
  • Install a glass block window to completely seal out the elements from getting in.

 

I hope this information helps you. Have you ever had a Fall weather related claim?  Leave a comment below with your experiences.

 

 

My name is Keith Laskey. My goal is to educate the everyday consumer and to help them make intelligent decisions with their insurance policies. Please contact me at my office, 610-948-4830 or Email Me for any insurance related questions or concerns. You can also visit the Ron Black Agency website or like us on Facebook! Thank you for stopping by, have a great day!

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