How to Avoid Property Damage from a Rainstorm

Property Damage Prevention

Believe it or not, but rain damage can be one of the costliest repairs for a home. This is mainly due to the devastating effects on the home’s foundation and the contribution to mold development. While your homeowners insurance in Reading, PA can help you in the aftermath of a disaster, check out these tips on how to prevent storm damage to your property.

Ensure good drainage. The rooftop is the primary structure that keeps rainwater from entering a property. Check all aspects of the rooftop to ensure that there is no damage in any way to shingle, no soft spots, and no surface divots. One crack in your roof can lead to a roof leak and then further internal damage.

Check your chimney and sump pump annually. Two vital areas that can allow rain damage if they are the home’s chimney and sump pump. A sump pump should be inspected annually and should receive more frequent checks when bad weather is forecasted. Chimneys should also be checked to ensure bricks have no gaps and are tightly sealed.

Clear gutters and downspouts. To avoid rain getting inside your home or damaging your home’s foundation, it is crucial to have a well-running gutter system in place. Keep your gutters clear of debris and dirt to avoid clogging and water overflow. Direct downspouts away from the foundation of the home, too.

Collect rainwater. Installing a rainwater catchment system is another good option for handling water. The rainwater will travel from the gutter, through the downspout, and into the tank or barrel. This water can then be repurposed for irrigation or seasonal purposes!

Review your insurance coverage. Know how your home insurance protects your property should it get damaged in a rainstorm. Are your belongings covered? Is your deductible a realistic out-of-pocket cost? Does your insurance even provide coverage?

So that you have the necessary coverage for your home and belongings, contact Insurance Offices Ltd.! Located in Reading and serving neighboring cities with homeowners insurance, give us a call to get started!

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