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651.633.0408
deanolson@aibme.com

What to Check for After a Storm 

When a big storm hits, you hunker down, relying on your home to protect you and your family. Once that storm passes, though, it's time to repay the favor - identifying damage and protecting your home from further issues.

The National Storm Damage Center has a number of resources and tips for homeowners. Here are four major things the agency recommends you check after a storm:

1. Your roof: If you see holes, split seams or missing shingles on your roof or if you notice leaking inside or out, it's a good idea to have a qualified inspector come assess the situation.

2. Your exterior: Siding, brick and stucco are all vulnerable to storm damage. You'll want to look for cracking, chipping, dings, or dents in siding, and for holes in stucco. Look closely and at different times of the day. Some homeowners don't notice damage until it's too late to file a claim, and different lighting can reveal damage you didn't see before.

3. Driveways and walkways: Cracking and splitting can create safety hazards, as well as reduce the lifespan of the concrete.

4. Trees: According to the National Storm Damage Center, fallen trees and limbs cause more than $1 billion in damage annually. Check roofs, vehicles, fences and machinery for fallen limbs that may have caused damage or could pose a risk. Clean up what you safely can and rely on a reputable tree removal service to handle the rest. Depending on the circumstances, your homeowners insurance policy may help with tree removal and damage repair costs - if you experience a covered loss, that is.

 

A few more helpful tips:

  • Keep trees well maintained and trimmed. Also notify neighbors if you see any overhanging branches on any of theirs.
  • Know your insurance. Take a look at your policy so you know what's covered, what your limits and deductibles are, etc. This will prevent any surprises during the claims process.
  • Take pictures. Photographs can help you show the cause and extent of any storm damage that occurs.

Of course, if you've suffered through a major storm, don't hesitate to call me for help with an insurance claim or with finding a professional property inspector

 

Is ALL your Property Covered?

Did you know certain classes of property have a cap on the amount of coverage provided by your homeowners insurance? You can typically increase coverage for these items but it must be endorsed on the policy, so it's important to let me know if you own any of the items in the table below. I'm here to help, so don't hesitate to contact me with any questions or concerns.

 

Property

Limit

Money, bank notes, bullion, coins, medals, stored value cards, etc.

$200

Securities, deeds, evidences of debt, letters of credit, tickets, stamps, etc.

$1500

Watercraft, including trailers, equipment, and outboard engines

$1500

Trailers (not used with watercraft)

$1500

Jewelry (when loss occurs by theft)

$1500

Firearms (when loss occurs by theft)

$2500

Silverware, goldware, platinumware, and pewterware

$2500

Property used primarily for business purposes

Amount varies based on details of the loss

 

Our Location

Dean Olson Insurance Agency

3570 Lexington Ave North Suite 201
Shoreview, MN 55126
Main office: 651-633-0408

Our Providers

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