Winter can be tough on your home. Snow, ice, freezing temperatures, and high winds all take a toll. Now that spring is around the corner, it’s a good time to walk around your property and make sure everything is in good shape.
It’s also a smart time to review your homeowners insurance coverage. Small issues can turn into costly claims if they go unnoticed.
Here are seven things to check this spring:
1. Inspect Your Roof and Gutters
Ice dams, heavy snow, and winter storms can damage shingles and loosen flashing.
Look for:
- Missing or curling shingles
- Shingle sediment in gutters
- Sagging areas
- Clogged downspouts
Roof damage is one of the most common spring claims. Catching it early can prevent bigger problems.
2. Check for Water in the Basement
Melting snow and spring rains increase the risk of water intrusion.
Look for:
- Damp walls or floors
- Musty odors
- Cracks in the foundation
- Signs your sump pump isn’t working properly
It’s also important to understand the difference between flood insurance and water backup coverage. Many homeowners assume they’re covered when they’re not.
3. Examine Your Foundation and Exterior
Cold temperatures cause materials to expand and contract. That movement can create:
- Foundation cracks
- Gaps around windows and doors
- Shifting siding
Small cracks may seem minor now but can lead to water damage later.
4. Trim Trees and Remove Winter Debris
Winter storms can weaken branches without you realizing it. Overhanging limbs near your roof or power lines should be addressed before spring storms roll in.
This is also a good time to clear debris away from your home’s foundation to improve drainage.
5. Review Your Replacement Cost Coverage
Construction costs have changed significantly over the past few years. If you haven’t reviewed your policy recently, your home’s insured value may not reflect today’s rebuilding costs.
An annual review helps ensure you’re not underinsured.
6. Confirm Your Deductibles
Many policies now include separate deductibles for wind or hail damage. Make sure you understand:
- What your standard deductible is
- Whether you have a percentage-based wind or storm deductible
- What that would mean in the event of a claim
Clarity now prevents surprises later.
7. Schedule a Policy Review
Spring is one of the best times of year to review your coverage. Life changes, home improvements, and market shifts all impact your protection.
A quick review can help you:
- Identify coverage gaps
- Adjust limits if needed
- Make sure your policy still fits your situation
A Little Prevention Goes a Long Way
Spring is about fresh starts. Taking an hour to inspect your home and review your insurance coverage can help you avoid unexpected stress during storm season.
If it’s been a while since you’ve reviewed your policy, our team at Davis Insurance Advisors would be happy to help you walk through it. A simple conversation today can provide peace of mind for the months ahead.