Each year, Michigan homeowners and businesses are hit with the harsh reality of winter, dealing with everything from snow covered roads and pot holes to slippery driveways and the dreaded NO SCHOOL Snow Days. You can’t change the weather, but we can minimize the toll it may take by implementing a few simple safeguards. Heating and plumbing maintenance and the right insurance coverage, can help minimize any financial burdens that may follow seasonal storm damage.
This time of year, it is important to be aware of water damage that can be caused by Spring Thaw. You can’t stop the water, but you can take measures to limit or prevent damage and save on restoration repairs.
Understand your insurance coverage
Read the details of your homeowner’s insurance coverage as it applies to water damage and flooding, because unless you carry flood insurance, any damage to your home caused by spring-thaw flooding is generally not covered. Many policies also don’t cover backed-up sewers unless you pay a higher premium specifically for this added coverage.
How to prevent water damage
No homeowner can prevent water damage under every circumstance, but you can prepare your home ahead of spring-thaw months to prevent common causes of damage.
- Basement pumps. Install a sump pump or a sewer backflow value and keep a battery-operated backup in case of power failure. Consider installing a water alarm that warns when water is accumulating in your basement.
- Basement storage. Keep valuable items out of your basement. Removing any electronics or stored valuables from your basement prior to spring-thaw warnings could prove to be an important ounce of prevention.
- Debris removal. Remove debris from window wells, gutters and downspouts.
- Doors and windows. Check for any leaks around doors and windows.
- Exterior walls. Keep all exterior walls of your home well painted and sealed.
- Flood drains. If you have flood drains, make sure they work properly.
- Foundation cracks. Inspect your foundation for cracks that will allow water seepage and initiate repairs.
- Grading. Inspect the grading around your home and make any changes. Design the grading to encourage the water to flow away from your home.
- Landscaping. Trim trees and bushes away from your home and do not store wood or compost piles nearby.
- Roof. Keep your roof in good repair. Unless a tree falls on your roof during a storm, most insurers expect you to maintain your roof to prevent water leaks caused by snow melting or torrential downpours.
Adapted from https://www.safetyinsurance.com