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651.633.0408
TEXT US: 651.565.7258
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

Dean Olson Insurance Agency

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

Our Providers

“I never doubt Dean's integrity, meaning he is working to find the best product that meets my needs at the best price.”
Mary Daniel
“Dean is always quick to respond and offer the most helpful advice! I know he is always looking out for our best interest!”
Nicole Demuth
“Dean, you are thoughtful about the policies you offer. They make good sense for my needs. You also provide outstanding service. Lastly, you are very personable and a pleasure to work with.”
Louis Tschudy
“When we unexpectedly had a problem with our auto coverage, it was very helpful to be working with an insurance broker who had experience and knowledge of multiple insurance companies. Dean was very thorough and worked with us on a tight timetable, following our move to the area.”
Ross Johnson
“Dean has always been very good with all our insurance needs always gets us the best price possible and takes his time talking with us always prompt getting back to us.”
Glenn Swanson
”Dean takes the time to explain complicated insurance issues in plain language. He learns about your individual situation and helps you to pick the insurance that's right for you, and that something you can't get from a website or an app.”
Conrad Workman
“Newer customer who left American Family after 30 years due to service. Met with Dean and he reviewed my existing coverage and sourced multiple companies to find the better coverage and provide cost savings over my old coverage.”
Jan Aamodt
“I’ve learned more from Dean about insurance than I’ve ever learned before. He has patience to answer questions and I feel like he truly looks out for my best interest!”
Rhonda Gasiorowski
“For two decades we have been working with you on all our insurance needs. Always we have received timely service, great info and high quality product at a fair price point.”
Oliver Papp
“Dean has been easy to reach for questions, extremely kind and caring in explanations, and great about helping me with the best insurance options available.”
Michelle Horn
“Dean is always helpful. Always answers questions honestly and immediately always great advice.”
Mary Kappel
“You have always been available to answer any questions or needs we might have. You compared and found us the best cost effective insurance for our needs.”
Gary Savage
“I have recommended you to my son and others. Thanks!”
Stephanie Nustad