Weather Center

Prep Your Home for Summer Storms

By Staci Parks 8.1.18

The rest of the world may know Texas as eternally dry and scorching hot. But the truth is, the state’s climate is as diverse as its people.

Summer months can bring along bursts of severe weather that range from flooding on the coast and hail in the north to wildfire in the Panhandle.

Prepare for Wild Weather

Start doing seasonal maintenance checks on your home, suggests Cade Taylor, a Texas Farm Bureau Insurance agency manager in Pampa in the Panhandle. Try to hit that weather sweet spot after spring showers but before the arid summer months.

Secure Your Home

Roof: Your roof is your home’s first line of defense against dominating winds and relentless hail. That’s why roof damage is a fairly universal summertime claim that Agents see throughout the state. Check your shingles vigilantly.

Air Conditioner: Imagine August without A/C. Wind, lightning, and hail all contribute to air conditioner failure. Get a tune-up before it’s time to run your system 24/7. “Start looking for things that could overheat,” Taylor says. “Double-check what you have running at your house, and watch out for fans overheating circuits throughout the house.”

Keep in mind that insurance doesn’t cover maintenance. “It’s your job to make sure your home is in good condition at all times,” Taylor says.

File Claims for Repairs

Let’s say a tumultuous storm blows through, and you don’t see any damage to your home. But you’re unsure. Now is the time to talk with your Agent about possibly filing a claim.

Often, larger, more expensive weather-related claims are a result of previous damage to a home that never got addressed, leaving it vulnerable to the next big storm.

Get the Right Coverage

Taylor suggests going over all your coverage with your Agent every year to make sure all aspects of your home are properly covered. Are you covered for fire, but not windstorm? What about flood damage?

“You never know when the unexpected will happen,” Taylor says. “Don’t hope for the best. Know what you have, and make sure you are on the same page as your Agent. Don’t be reactive. Be proactive, and go see the person taking care of your most valuable assets.”

Call your local Texas Farm Bureau Insurance Agent today or get a quote for a property insurance policy that protects your family from any weather.

Coverage and discounts are subject to qualifications and policy terms and may vary by situation. © 2018 Texas Farm Bureau Insurance