Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry.
The first step is finding and fixing any immediate problems as soon as it’s safe to do so. Then, you’ll want to take measures to prevent those problems from happening during the next downpour!
Where is all that rain going?
Your roof and gutters form a key line of defense for your home – and in a storm, they’re vulnerable, because so many things can damage them. Trees, hail, and other objects can create weaknesses that might lead to leaks in your roof, so check for missing shingles and other issues. And keep your gutters clear so all that water drains properly.
Are you checking everywhere?
Water dripping from the ceiling is hard to miss. Water in your crawl space, however, can easily go undetected because hardly anyone ever checks there. Don’t forget to look down there after a storm (or have a professional do it) to make sure everything is nice and dry. If you do see moisture, you’ll want to get it out with a sump pump as soon as possible.
And don’t just look up – another place to check is your home’s exterior, whether it’s siding, brick, or another material. Weak spots can be hard to see, so look at various times of the day in different lighting conditions.
Of course, you’ll want to make sure your doors and windows are properly sealed to keep the elements out, too.
What about around your property?
Storm water has to go somewhere, and if your property doesn’t drain well, or if runoff goes toward your foundation, you could have problems. So watch for patterns, and grade property so it drains away from your home if possible. Always be wary of hillsides and tilting trees after heavy storms, because the land might not be stable.
And don’t forget to keep storm drains clear of leaves and other debris. This can prevent flooding both on the streets and your own property.
What should you do during the storm?
During powerful storms, stay inside. This is not the time to check your roof, your exterior, or your property unless there’s an emergency and you know it’s safe to go out. Monitor your interior, making sure no water is getting in. If it is, do what you can to alleviate the situation in the moment, even if it means just placing something under a leak to collect the water. For more serious problems, though, remember that safety is the most important thing. If your basement is flooding, for example, don’t go down there – you could be trapped and even drown.
Thankfully, powerful storms only hit once in a while. Preparing for them, however, should be on your mind a lot more frequently, because the next one could be tomorrow.
Winter has officially arrived, which has been blatantly apparent in our recent freezing temperatures (brrrr)! Check out these tips for added protection.
• Have all furnaces serviced and chimneys inspected and cleaned.
• Check your home’s perimeter and seal any air leaks with caulk and weather-stripping. Add additional insulation in the attic—most homes need at least 12-15 inches. Make sure insulation does not come in contact with recessed lighting that is not approved for insulation contact.
• Insulate pipes that go through exterior walls or colder areas such as garage ceilings or unheated attics.
• Turn water off to exterior hose bibs, and detach garden hoses and empty the hose bibs.
• Locate the water main shutoff valve and keep the access path clear in case a frozen pipe leak or other water issue needs to be stopped.
• If you will be away from home, make sure heating is set no lower than 60 degrees so that even cold spots do not become too cold. Open sink cabinet doors to allow heat in, and let faucets drip slightly to prevent frozen pipes.
• Consider installing an automatic water shutoff valve to prevent extensive water damages.
• In high snowfall areas, make sure no exhaust vents become buried by snow.
• Install adequate attic insulation. This helps keep your roof cold, which prevents ice damming
as a result of snow continuously melting on the roof. When replacing a roof, consider an ice
shield membrane underlayment.
• Identify a local roofer that clears snow from roofs and removes ice dams to prevent roof
collapse or interior water damage. Not all roofers clear roof snow or ice dams.
• Service back-up generators and have adequate fuel supplies on hand. Do not store fuel
inside. Even if the generator is portable, it should never run indoors.
• Have emergency supplies on hand, such as flashlights, batteries and converters to use in the
car to charge devices.
• If a prolonged power outage means having to relocate, consider shutting off the water to the
house and draining the water lines, and follow the steps listed above for being away from
For more information, please contact us or visit www.aig.com/pcg.
In light of Hurricane Dorian battering our coast right now, flood prevention & safety seemed like a fitting topic for this week.
Almost anywhere it rains, it can flood. Even if you live in an area of that you think isn’t at risk, preparation is just as critical as with other types of emergencies.
Before we get into how you can prevent, limit or react to flooding, it’s important to note that flood damage is typically not covered by your homeowners or renters insurance. There are specialized flood insurance programs that we can discuss with you. Contact us for more information.
Preparing for a flood
The Federal Emergency Management Agency recommends a number of steps to stay safe during emergencies and limit damage from flooding. You should:
Acting during a flood
If a flood is likely in your area, quick action may be necessary to protect your family and property. You should:
Coping after a flood
Flooding can cause emotional stress along with physical hazards, so be mindful of the well-being of yourself and your family during the aftermath.
The Red Cross has a free book available called “Repairing Your Flooded Home,” which contains useful information as you clean up. It’s available at www.redcross.org. Of course, don’t hesitate to contact us as well — we’re ready to help!
Flooding is one of the most common hazards in the U.S. Being prepared for any emergency is crucial for the safety of you and your family. Don’t be caught off guard!