Tips to Protect Your House from Mother Nature

22 May

 

Your home has been expertly designed to protect you and your loved ones from the incredible forces of natural elements. It is your shelter against rain, snow, ice, hail, wind and more. Because your home will take the brunt force of Mother Nature’s wrath, the unfortunate reality is that it can become damaged in the process. As a homeowner, you understandably want to keep your home maintained in the best condition possible. By following a few important steps, you can protect your home from the effects of Mother Nature, and you can be prepared to act quickly if damage occurs.

Understand the Dangers

Many types of natural disasters and bad weather events can damage your home. Depending on where you live, you may be more prone to some dangers than others. For example, those living in California may be more likely to experience an earthquake than those living in Florida. However, hurricanes may be more common in Florida. Severe storms and tornadoes are common in the states in Tornado Alley. When you understand more about the most common dangers that could damage your home, you can take steps to better protect your home against damage.

Examine Your Home Carefully

The time to inspect your home’s structural condition, protective elements and risk factors is before a damaging event occurs. For example, if you live in Florida, look at the quality and condition of your roof, and ensure that your storm shutters are in proper working order. If you have tree branches located close to windows or the roof, trim these back so that they do not cause property damage. If flooding is a possibility, invest in a sump pump for your basement. These are just a few examples of the steps that homeowners can take to minimize damage to their homes.

 

Purchase Home Insurance

While your efforts to protect your home can go a long way toward preventing damage, the reality is that some damage may still occur. It is important that you have a way to pay for repairs to your home if a disastrous event does occur. Review your current home insurance policy to ensure that it is fully protective. Consider purchasing optional coverage, such as earthquake coverage, windstorm coverage or flood coverage as needed based on the most obvious risk factors to your home.

Invest in a Home Warranty

You may be asked if you want to purchase a home warranty on your home at the time you originally purchase the property, but you can also purchase a warranty at any other time. A warranty may be used to pay for damage to windows, the roof, the HVAC system and many other expensive components. Coverage under a warranty varies, but this coverage may pay for both repairs and replacements as needed.

 

Have an Emergency Plan

All homeowners should think ahead about what they will do in an emergency situation. You should know where you will meet up with family members if you become separated and your phones are not working. You should have a financial plan in place to pay for a home insurance deductible at a moment’s notice. You should also think about temporary shelter if you need to relocate while your house is being repaired.

 

As you can imagine, there are a wide range of damaging forces that can wreak havoc on your home. Your home may protect you and your loved ones from injury in a worst-case situation, but it may require a significant amount of repair work as a result of damage inflicted by Mother Nature. As a homeowner, you need to ensure that your home is in the best condition possible before an event occurs. You also need to use insurance and warranties to have a financial plan to repair the damage. After you have applied these tips, you can rest assured that you are as prepared as possible for a damaging event.

 

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