Late summer brings warm days, backyard barbecues, and one more thing Wisconsin homeowners know well: severe storms. High winds, heavy rain, hail, and lightning can cause significant damage in a matter of minutes.

While you can’t control the weather, you can take steps to protect your home before the next storm rolls in. A little preparation now may help reduce damage and make recovery easier if severe weather strikes.

Inspect Your Roof

Your roof is your home’s first line of defense against the elements. Look for missing or damaged shingles, loose flashing, or signs of wear. Even minor issues can allow water to enter your home during a heavy rainstorm.

If you’re not comfortable inspecting your roof yourself, consider having it professionally evaluated, especially if it’s older or has experienced storm damage in the past.

Clean Gutters and Downspouts

Clogged gutters can cause water to back up onto your roof or overflow near your foundation. Remove leaves, twigs, and debris, and make sure downspouts direct water away from your home.

This simple maintenance task can help prevent costly water damage.

Trim Trees and Remove Dead Branches

Overhanging limbs and weakened branches can become dangerous during strong winds. Trim branches that hang over your roof, driveway, or power lines, and remove dead trees before they become a hazard.

Healthy trees are less likely to cause damage during a storm.

Test Your Sump Pump

If your home has a basement, your sump pump plays an important role in protecting it from flooding. Pour a bucket of water into the sump pit to confirm the pump activates properly.

If you have a battery backup, test it as well. Power outages often accompany severe storms.

Secure Outdoor Items

Patio furniture, grills, umbrellas, planters, and lawn décor can become airborne during high winds. Before severe weather arrives, move lightweight items indoors or secure them to help prevent damage to your home or your neighbors’ property.

Review Your Insurance Coverage

Storm season is a great time to review your homeowners insurance. Make sure you understand your deductible, know what your policy covers, and ask about any optional coverages that may be appropriate for your home.

It’s also a good idea to keep an updated home inventory with photos or videos of your belongings. Having documentation can make the claims process much smoother if you ever need to file one.

Be Prepared Before the Storm

The best time to prepare for severe weather is before dark clouds appear on the horizon. Spending a little time on home maintenance today can help protect your property and provide peace of mind throughout storm season.

If you have questions about your homeowners insurance or would like to review your coverage, the team at Professional Insurance Programs is here to help.