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Property Damages Caused By Weather Conditions

 

Michigan’s four seasons can contribute to unpredictable and damaging weather to your home and other structures. It is important to have good maintenance on your home to insure the safety of it and your families in all kinds of weather. Heavy rains can lead to flooded basements and damage to your interior from damaged roofs. Severe storms can also cause trees, branches, telephone poles and other objects to damage to fall over damaging property. Rains can also cause drains and bodies of water to overflow which can result in basement flooding. Sewage drains that overflow cause health risks if the water enters your home. Sewage water contains bacteria that can severely damage your home and cause serious illness. Be aware of such things as broken branches in the event that they may fall they can damage your home, roof, vehicles, and garages. Heavy snow storms also contribute to fallen trees branches or down power lines from ice forming on them. Be careful and aware of the dangers in these situations. Another danger form snow is ice dams on your roofs. Poor insulation in attics can cause ice to form potentially damaging the roof and when the ice melts it can leak into your attic and down the interior of your home. Also when snow melts it can lead to a flooded basement from the water making its way through cracks in the foundation. Even from the cold temperatures it can cause risk to your homes piping. Making sure your pipes are properly insulated can help secure them from cracking or bursting when temperatures are low.

Regular inspections a few times a month can prevent your home from being victim to a disaster. In the spring and summer months check to see that puddles aren’t forming around the homes foundations during heavy rains. If water is settling and failing to drain then there are drainage system techniques to divert the water away.  Make sure roofs are properly insulated so when winter hits there won’t be as much of a risk of ice dams forming. Check that drain systems are cleared so sewage water doesn’t back up into your basement. Having insulated piping and just a well heated home can protect and prevent pipes form bursting causing damage to ceilings and basement.  In the transition from fall to winter make sure that gutters aren’t clogged with leafs or other debris. Cleared gutters will allow the snow to drain when melting and not leak through the roof. This will also stop ice from forming that cold potential damage roofs and siding of the home. If you live near a body of water and are concerned that overflowing waters may damage your home look into purchasing flood insurance. Flood insurance is not part of the regular home owners insurance and must be purchased through the National Flood Insurance Program.  Check to see if you community participates in the program so that you can purchase the insurance to insure your home is covered in the event of a disaster.

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