The Farmers Insurance Seasonal Smarts Digest is a quarterly release that examines a five year window of our historical claims database. This allows Farmers to help you identify seasonal perils that insureds should be on the lookout for! Our surveys show that over 50% of insureds incorrectly believe that their Homeowners or Renters policy covers flood damage or just don’t know if they have coverage. Spring weather can throw curveballs at us all, so it’s important to be proactive! Here are a few tips to help you best weather spring hazards this year:
Top Spring Hazards
1. Hail, with 48% of springtime claims
2. Wind, with 16% of springtime claims
3. Water, with 14% of springtime claims
Do you have a home inventory list? Over 40% of people don’t have any record of the belongings in their home! Having a itemized list can help your claims process go much more quickly and smoothly. Try to be as specific as possible and include any receipts, product numbers, and other useful information. Keep the list in a safety deposit box, but also consider uploading it electronically along with pictures or videos. That way when a disaster hits your inventory isn’t ruined along with everything else! Click here to learn more about what to include in your own home inventory!
Over half of Americans also don’t have an emergency kit available at their home. An emergency kit can make all the difference when in a bad situation. At kit should be kept handy with enough materials to last your family for at least three days. This means: water, food, medications, first aid supplies, clothes, blankets, and anything else critical to the health of a family member. And fon’t forget about your furry family members! Also keep in mind that emergency shelters may not allow animals. Check with your local response organizations to see what animal accommodations will be available.
Consider purchasing Flood insurance, since flood damage is not covered by your Homeowners policy! Your agent can help you determine if you are in a flood zone and if Flood insurance is a product necessary for your property. If flooding seems like an imminent possibility, disconnect and move electronics to a dry location. If left connected, they could be damaged if lightning hits your home. Click here to learn more about Flood insurance and safety!
Outdoor maintenance can be time consuming, but even small issues can cost you big bucks later! Having a professional inspect and repair your roof before inclement weather season is critical. You may also want to consider investing in impact-resistant shingles if you live in hail-prone areas.
Over time, the foundation of your home can also take a bad beating. It’s important to check for regularly for weak points, cracks, and worn floor slabs, especially if it’s been exposed to heavy rainwater or snow melt. Additionally, water sealing and proper drainage can help to ensure that your foundation don’t become waterlogged.
Clogged gutters are another surefire way your home may experience water damage! If you live in an area with significant Spring temperature changes, this is especially important. Clear gutters help to reduce the risk of overflows and ice dams. Additionally, make sure to secure or move inside any furniture, plants, toys, or other outdoor items. It may not seem like they can do much damage, but wait until 50+ mph winds pick them up.