INDUSTRY INSIGHT
HOMEOWNER ’ S INSURANCE
SPONSORED CONTENT
SAFEGUARDING YOUR HOME AGAINST MAJOR RAINSTORMS
It ’ s become evident over the past few years that wherever you live , you are increasingly at risk of experiencing a powerful storm at some point that could dump multiple inches of rain in a short time . According to the National Oceanic and Atmospheric Administration , there were 23 rain events in 2023 that each resulted in over $ 1 billion in damages , including :
• Four flooding events ( in California , Florida , and across the eastern and northeastern U . S .)
• 17 severe weather / hail events throughout the Midwest , East and South .
Rain can be a relentless force that tests the durability and resilience of your home . Water damage can wreak havoc on your property , from minor leaks to major flooding , leading to costly repairs and potential health hazards .
However , by taking some proactive measures , you can safeguard your home against the damaging effects of rain .
Inspect and maintain your roof — Your roof is your first line of defense against rainwater . Regularly inspecting and maintaining the roof is crucial for preventing leaks and water damage .
Look for missing or damaged shingles , cracks , or gaps in the roofing material , and ensure that flashings are secure . Replace any damaged or deteriorated roofing materials promptly to maintain the integrity of your roof .
Clean gutters and downspouts — Gutters and downspouts are vital in directing rainwater away from your home ’ s foundation . However , they can become clogged with leaves , twigs , and debris , hindering proper water drainage .
The National Center for Healthy Housing recommends cleaning your gutters at least twice a year , in the spring and fall . But during heavy storm years , you may want to check them more often to prevent water from overflowing and causing damage to your home ’ s exterior and foundation .
Install gutter guards — To minimize the need for frequent gutter cleaning , consider installing gutter guards . These protective covers prevent debris from accumulating in your gutters while allowing water to flow freely . Guards come in various materials and designs , so choose one that suits your home ’ s needs and budget .
Inspect and seal windows and doors — Leaky windows and doors can allow rainwater to seep into your home , causing water damage and mold growth . Inspect the caulking and weatherstripping around windows and doors regularly and repair or replace any damaged seals . Consider adding weatherstripping or caulking where needed to ensure a tight seal and prevent water intrusion . Check for exterior cracks and gaps — Inspect the exterior of your home for any cracks or gaps where water could penetrate . Pay attention to areas around windows , doors , vents , and utility penetrations . Seal cracks or gaps with caulking or weatherproof sealant to prevent water infiltration .
Maintain proper grading — Grading around your home is crucial to directing rainwater away from the foundation .
Make sure the ground slopes away from your home ’ s foundation to prevent water from pooling around the structure . If necessary , add to or adjust the slope with soil or regrade the landscape .
Invest in proper drainage systems — If your property is prone to flooding or poor drainage , consider installing additional drainage systems such as French drains , swales or sump pumps . These systems help redirect excess water away from your home , reducing the risk of water damage and flooding .
Protect basement and crawlspace — Basements and crawlspaces are particularly vulnerable to water intrusion during heavy rain . Ensure that basement windows are properly sealed and consider installing window well covers to prevent water from entering .
Additionally , waterproofing the basement or crawlspace walls can provide an extra layer of protection against moisture .
Maintain landscaping — Proper landscaping can help absorb excess rainwater and prevent erosion around your home ’ s foundation . Put in native plants and trees and use mulch to help retain moisture and prevent soil erosion .
Avoid overwatering your lawn , since excessive water can saturate the soil and lead to drainage problems .
Conduct regular inspections and maintenance — Finally , regular inspections and maintenance are key to ensuring that your home remains protected from rainwater damage . Schedule annual inspections with a qualified professional to assess the condition of your roof , gutters , drainage systems and other vulnerable areas .
Address any issues promptly to prevent them from escalating into costly repairs . The takeaway By taking these preventive measures , you can fortify your home against the destructive forces of rain and minimize the risk of water damage .
Investing time and effort in maintaining your home ’ s integrity will protect your property and provide you with peace of mind during stormy weather .
LIFE CHANGES AND SO DO YOUR INSURANCE NEEDS .
Cusumano Insurance , a local family-owned business , has been serving the Pittsburgh area since 1958 . The agency represents several insurance companies offering various options for your personal and business insurance needs . Its experienced staff are creative problem solvers who help find the suitable insurance companies , products and discounts to meet your specific needs . Give them a call today for a free insurance review .
This Industry Insight was provided by :
Joann Cusumano Sciulli , AAI Agency Principal
Rosann Cusumano Elinsky , AAI , LUTCF Agency Principal
178 Clairton Blvd Pittsburgh PA 15236 ( 412 ) 655-4432 contactus @ cusumanoinsurance . com www . cusumanoinsurance . com Like us on Facebook
Cusumano Insurance Agency , Inc . • 178 Clairton Blvd • Pleasant Hills , PA 15236
WEST JEFFERSON HILLS ❘ SPRING 2024 7