As the saying goes, “April showers bring May flowers”—but they can also bring a spike in insurance claims if you're not prepared. Spring weather may be beautiful, but it often comes with a wild side: torrential rains, hailstorms, high winds, and even late-season snow or tornadoes. These seasonal surprises can cause serious damage to homes, vehicles, and personal property. The good news? A little preparation and the right insurance coverage can go a long way in protecting what matters most.
Spring Weather Threats: Know What You’re Up Against
Spring storms can pack a punch. Here are a few common weather threats to watch out for:
- Heavy rain and flooding – Can lead to basement flooding, roof leaks, and water-damaged interiors.
- Hail – A leading cause of damage to roofs, siding, windows, and vehicles.
- Strong winds – Can bring down trees, power lines, and even tear off shingles or siding.
- Lightning strikes – May cause fires or power surges that damage electronics and appliances.
Understanding the risks is the first step toward protecting your home and car.
Review Your Insurance Policies Before the Storm Hits
Now’s a great time to dig out those insurance documents (or pull them up online) and give them a good once-over:
- Homeowners or Renters Insurance – Make sure your policy covers wind and hail damage. Most policies cover water damage from rain only if it enters due to storm damage—not rising floodwaters.
- Flood Insurance – Standard policies don’t cover flooding. If you live in a flood-prone area, consider a separate flood insurance policy through FEMA’s National Flood Insurance Program (NFIP) or a private insurer.
- Auto Insurance – Check that you have comprehensive coverage, which protects against storm-related damage like hail, flooding, or falling tree limbs. Liability-only coverage won’t cut it here.
Tip: Take note of your deductible amounts and be sure your coverage limits are high enough to rebuild or replace your property.
Before, During, and After the Storm: What You Can Do
Before the Storm:
- Clean out gutters and downspouts to prevent water backup.
- Trim trees and remove dead branches near your home and driveway.
- Park vehicles in a garage or under cover if possible.
- Secure patio furniture and other outdoor items.
- Take photos or videos of your home and belongings for documentation.
During the Storm:
- Stay indoors and away from windows.
- Unplug electronics to protect them from power surges.
- Listen to weather alerts and be ready to take shelter if needed.
After the Storm:
- Inspect your property and vehicle for damage (safely).
- Take detailed photos of any damage.
- Prevent further damage (e.g., cover broken windows or roof leaks with a tarp).
- Contact your insurance company as soon as possible to start the claims process.
A Little Prep Goes a Long Way
Spring storms may be unpredictable, but your response doesn’t have to be. By staying informed, reviewing your insurance coverage, and taking a few simple precautions, you can ride out the season with confidence—and peace of mind.
At Insurance Planning, we understand this can all be a little overwhelming. That's why we're here to help you make sense of your coverage and ensure you're truly prepared for whatever Mother Nature brings.
Contact us today to review your policies, explore your options, and feel confident heading into spring.