4 Tips for Avoiding Costly Storm Damage Insurance Claims

During the winter months, the chances for damaging winds and inclement weather go up. In some cases, routine maintenance and preparations can prevent the need for costly damage and time consuming storm damage insurance claims. Then, spring and summer bring their own risk of severe storms. There are preventive measures you can take year-round to help minimize the risk of damage to your business or property when severe weather hits.

1. Secure Outdoor Items to Prevent Wind Damage

Grills, picnic tables and lawn furniture can become projectiles in high wind scenarios. ‘Batten down the hatches’ as they say—you don’t want your patio umbrella to go spiraling through the air. Consider securing patio furniture with steel security cables if you cannot safely store furniture.

2. Address Drainage Problems Prior to Storm Season

Check your gutters and building drainage before the storm season begins. If your gutters are due for a cleaning, contact a local gutter company to complete the job. Neglected gutters spell disaster as they accumulate debris and standing water. Standing water can backup your business or overflow into your foundation, potentially flooding the basement.

3. Trim your Trees to Prevent Storm Damage

Dead branches are more likely to fall during heavy storms and gusting winds. This can be hazardous to you, your employees, patrons and building. From tree limbs falling on the roof to dead branches getting tangled in power lines, a well-maintained property will help you avoid costly storm damage insurance claims.

4. Inspect your Roof Every Year or Two to Prevent Indoor Storm Damage

Not only does a regular roof inspection extend the life of your roof (saving you money long-term), it allows you to troubleshoot and remedy any issues. It is much easier to fix a small roof problem than a collapsed roof or burgeoning leak that can cause even more damage inside.

Most Common Storm Damage Insurance Claims

Understanding the top causes of storm damage insurance claims can help you proactively prepare.

Common types of storm damage claims:

  • Wind damage
  • Hail damage
  • Water damage
  • Frozen pipes
  • Fallen trees
  • Power outages
  • Sewer backups

Storm Damage Insurance: For Peace of Mind

We all know that things can go wrong even for those who prepare the most. Selecting the right insurance coverage for your business is an important task with many different variables. At Society Insurance, we are here to help you navigate this decision and answer any and all questions. Contact your local society agent for specific coverage questions related to storm damage insurance claims or read more about our claims process here.

Author

As a mutual insurance company, we operate and exist for the benefit of our policyholders. For more than 100 years, Society has been helping businesses overcome the unexpected with comprehensive coverage packages and outstanding claims handling, underwriting and risk management.

Latest Articles

The Benefits of Active Listening in the Workplace

When people on a team struggle to listen to each other, they can become disconnected.  Active...

Can You Use FMLA for Mental Health?

The Family and Medical Leave Act (FMLA) guarantees qualified workers the right to unpaid leave for...

Why Remote Teams Need Inclusive Workplace Practices

For most businesses, remote work is now a way of life in some capacity. Advances in technology and...

How to Motivate Employees as a Manager During Uncertain Times

As a manager in the restaurant industry, it can be challenging to motivate your employees during...

3 Reasons Why Authenticity in the Workplace Matters

Regardless of industry, a business is only as strong as its employees. Even the best products,...

Top Advice For Graduates Trying to Start a Career

As of 2020, there is an average of over 4 million students who have graduated from colleges in the...

7 TIPS TO HELP PREVENT PIPE BURSTING THIS WINTER

Originally published January 29, 2019, updated January 18, 2023. Many parts of the country are no...

A Guide to Safe Keg Handling

At one time or another, almost everyone who works in the restaurant and bar industry has been...

2022 Year in Review

Society Insurance is committed to providing blog posts to help business owners optimize daily...

Stay up to date with industry updates by subscribing to the Society Insurance blog!