Springtime in Middle Tennessee is beautiful, with blooming flowers and warmer temperatures. However, it also brings the risk of severe weather, including thunderstorms, tornadoes, and flash floods. As an insurance agent, I’ve seen firsthand how damaging these storms can be to homes, vehicles, and businesses. The best way to protect yourself, your family, and your assets is through preparation. Here’s a guide to help you stay safe and minimize storm-related losses this spring.

1. Review Your Insurance Coverage

You may feel like I’ve mentioned this before. That’s how passionate I am about you knowing what you’re paying for. It is essential to know the coverage you have prior to filing a claim. Before storm season arrives, take the time to review your insurance policies. Ensure that your homeowners, renters, and auto insurance provide adequate coverage for storm damage. Key points to consider:

• Homeowners Insurance: Check your policy’s coverage for wind, hail, and water damage. Standard policies usually cover wind and hail but may not cover flooding.
• Flood Insurance: Middle Tennessee has experienced devastating floods in the past. Since standard homeowners insurance does not cover flooding, consider purchasing a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer.
• Auto Insurance: Comprehensive coverage protects against storm-related damage, including hail and flooding. If you only carry liability coverage, consider upgrading to comprehensive.

If you’re unsure whether your coverage is sufficient, schedule a policy review with your insurance agent. Be sure to ask questions during the review so you understand exactly what your policies cover and what your best first step is, should an incident occur. 

2. Prepare Your Home

Taking proactive steps to secure your home can help minimize storm damage. Here are some essential measures:

• Inspect Your Roof: Loose or missing shingles can make your home vulnerable to leaks and wind damage. Have a professional inspect and repair your roof before storm season.
• Clean Gutters and Drains: Blocked gutters can lead to water buildup and potential flooding. Make sure they are clear and functioning properly.
• Trim Trees and Secure Outdoor Items: Overhanging branches can break off and damage your home or vehicles. Trim trees and shrubs, and secure outdoor furniture, grills, and decorations to prevent them from becoming projectiles during high winds.
• Reinforce Windows and Doors: Consider installing storm shutters or impact-resistant windows. At the very least, keep plywood on hand to board up windows if a severe storm is approaching.

3. Create an Emergency PlanEvery household should have a plan for severe weather. Discuss the following with your family:

• Designate a Safe Shelter Area: The safest place during a tornado is a basement or an interior room on the lowest floor, away from windows. If you live in a mobile home, identify a sturdy nearby shelter.
• Prepare an Emergency Kit: Your kit should include non-perishable food, water, flashlights, batteries, a first-aid kit, important documents in a waterproof container, and any necessary medications.
• Stay Informed: Sign up for local weather alerts, such as NOAA Weather Radio or mobile alerts from emergency management agencies.

4. Know What to Do After a StormAfter a storm passes, assess any damage and take the following steps:

• Be Cautious: Avoid downed power lines, standing water, and unstable structures. If flooding has occurred, do not enter your home until authorities confirm it’s safe.
• Document Damage: Take photos and videos of any damage to your home, car, or property before making temporary repairs.
• Contact Your Insurance Agent: Report damage as soon as possible to begin the claims process. Keep receipts for any emergency repairs or expenses.

Storms are often unpredictable, but proper preparation can make a significant difference. Reviewing your insurance coverage, securing your property, and having an emergency plan will help protect your family and assets. If you have any questions about your coverage or need assistance preparing for storm season, don’t hesitate to reach out to your insurance agent. Being proactive today can save you from major financial and emotional stress in the future. Stay safe this spring!For more information, feel free to reach out to Mark and his team at 615-672-5848 or pop by his White House location at 411 TN-76. You can also visit https://www.markreidinsurance.com