Understand the Real Threat of Spring Storms with Day Insurance Agency
According to the National Weather Service, spring is the season with the highest frequency of severe thunderstorms, tornadoes, and flash flooding. In minutes, these storms can damage roofs, siding, windows—or destroy homes. Unfortunately, not all homeowners insurance policies are created equal.
Review Your Homeowners Insurance Policy Now
Start by checking your current policy and focus on these areas:
- Dwelling Coverage: Does it reflect current rebuild costs?
- Detached Structures: Is your shed, garage, or gazebo included?
- Personal Property: Are your belongings covered at a high enough limit?
- Loss of Use: Will your policy pay for a hotel if your home is uninhabitable?
Pro Tip: Update your home inventory. Photograph rooms and valuables. Store receipts digitally.
Know What’s NOT Covered—Floods and Sewer Backup
Most standard policies do not include cover for:
- Flood damage from rain or rising water
- Sewer or sump pump backup
To cover these risks, add:
- Flood Insurance
- Water/Sewer Backup Endorsement
Did You Know? One inch of water can cause over $25,000 in damage.
Check Your Roof and Wind/Hail Deductibles
Spring storms often bring hail and wind. Ask your agent:
- Is my roof in good enough shape to qualify for coverage?
- Does my policy have a separate wind/hail deductible?
- Should I switch to replacement cost or actual cash value for my roof?
Bundle and Save Without Losing Coverage
Storms can damage more than your house—cars face risks from hail, trees, and flooding. Bundle home and auto insurance to simplify coverage and possibly reduce premiums. Make sure your auto policy includes comprehensive coverage.
Prepare Before the Storm Arrives
Get ready with these simple steps:
- Trim trees and secure outdoor furniture
- Clean gutters and check sump pumps
- Install battery backups
- Create a family emergency kit and plan
Spring brings renewal—but also risk. With the right coverage from Day Insurance Agency and a little preparation, you can enjoy the season with confidence, knowing you and your home are ready for whatever Mother Nature throws your way.
A quick review now could save thousands later. Call Day Insurance Agency at (724) 228-3448 in Washington, PA or (724) 356-7700 in Hickory, PA. Take 10 minutes and ask yourself, is your home insurance ready for storm season?