Biggest Springtime Risks for Homeowners

Protecting your home is a year-round effort. In the spring, you may contend with more extreme weather, thawing and windstorms, plus winter-related damage like a roof leak. Before the start of the season, anticipate the following potential issues.

Flooding and Water Damage

While the coastal region has higher risks for hurricanes and other storms bringing the tide inland, all homeowners should be prepared for melting snow, poor drainage, broken sewer pipes and overflowing bodies of water. Spring rain can also heighten these concerns.

Additionally, latent winter damage can suddenly appear as a burst pipe, mold, mildew or a leaking roof. To prepare for these risks:

• Make sure you have adequate flood insurance coverage, even if you live outside of a high-risk area.
• Maintain your roof and windows, as water can often enter through these areas.
• Ensure water can adequately drain from your property. Have your gutters cleaned at the start of spring and make sure your grounds remain level.
• Check around windows and doors for leaks, having any loose shingles repaired.
• Make sure your sump pump works before a rainstorm is predicted for your area.

Ice Dam Damage

This winter hazard can manifest as icicles, leaving behind a trail of issues that emerge in the springtime. Ice dams can cause portions of your roof to rot, tear off shingles and may contribute to rotting, water damage and mold inside your home’s walls and attic.

Wind and Tornado Damage

In parts of the country, tornado risks increase with the arrival of spring. High winds may not sound as severe but can also contribute to significant property damage or worsen existing issues. Understand that not every homeowner’s policy covers wind damage, especially if you live near the coast, so it’s important to review your insurance ahead of the spring season.

To avoid paying for siding or roof damage out-of-pocket and better protect your home against wind damage:

• Have loose shingles repaired
• Check that all gutters, windows and shutters are fully secure, reinforcing any bolts or hinges ahead of the season
• Cut back tree branches to keep them at least 10 feet away from your roof, windows and vehicles
• Before a storm, bring all loose items inside
• Have any dead trees removed from your grounds

Hail Damage

Hail can wreak havoc on your home’s exterior. Larger clusters may dent or tear off shingles, damage siding, contribute to leaks and even break window glass. Since these risks remain no matter how well you fortify your property, your carrier will likely reimburse you for repairs related directly to the hail, as well as any related water damage.

Unsure of what your homeowner’s insurance policy covers? Discuss perils and limits with your agent ahead of the spring season. Contact HUB International today.