How To Weather-Proof Your Property

El Nino Is Coming

Every year there is an annual weather pattern created by unusually warm water temperature in the Equatorial Pacific.  This is known as El Nino.  A storm system that is responsible for heavy rainfall in the southern parts of the United States.  

This weather system can have a drastic effect on day-to-day climate change.  In an article by Rosalie L. Donlon, on PropertyCasualty360.com, she discusses the various preparations which need to be made to defend against the upcoming rainy weather.  

What Can You Do?

To prepare for a flood risk from unpredictable rainfall here are a few things to be considered:

1.  Ask yourself, do you have flood insurance?  Flooding is not covered under your standard homeowner policy.

2.  If you lost power to your building or home, could your sump pump still operate?

3.  Do you have an emergency generator in the event of a loss of power?

4.  Does your neighborhood or area around your building have back pump preventers installed on sewer drains?

5.  Is there a risk of ice buildup or water build up on sidewalks or building surfaces?

To prepare for a leak or defect from your roof here are a few things to be considered:

1.  Have you trimmed your trees and cleared any loose branches to prevent damage to your property?

2.  Is all of the roof flashing in good condition?

3.  Missing or damaged shingles should be repaired or replaced.

4.  All gutters and downspouts should be cleared of any obstructions.

Any anomalies in your roof could lead to leaks and water damage which can lead to spending a lot of money on repairs.

 What Is Your Emergency Plan?

Having an emergency plan in case of a disaster is not just for corporations and small businesses.  This is something which should be completed by all individuals at risk of being hit with any sort of disaster.  Individuals in the San Diego area are subject to wild fires cause by extremely dry brush, high winds, and drought.  Whether its rain, ice, or fire, an emergency plan is a must.  You must know how to get in touch with family members.  There should be procedures in plan on how to transport the elderly or disabled to safety.  In order to put this plan into action there must be a good mode of communication.  Keeping battery powered radios and flashlights can help jump-start your plan into action and may mean the difference between life and death.  

Here's Where We Come In

With all the changes in weather this time of year, it's the perfect chance for clients to contact their Insurance Agents and conduct a full coverage review.  This is where you should take a full inventory of your indoor and outdoor property and make sure all of the points in this article have been inspected and identified.

If you'd like to check out the original article please click below:

http://www.propertycasualty360.com/2015/10/29/what-homeowners-and-insurance-agents-need-to-under?eNL=5633c0ca140ba0de57f5548a&utm_source=PC360_Daily&utm_medium=EMC-Email_editorial&utm_campaign=10302015&_LID=76559978