The recent stretch of severe thunderstorms, damaging straight-line winds, and localized microbursts has left many property owners cleaning up fallen trees and storm debris. While no one can prevent severe weather, taking a proactive approach to property maintenance can go a long way toward minimizing damage. Inspecting your property for dead or dying trees, trimming weakened limbs, repairing damaged roofing, and securing outdoor furniture or equipment before a storm are all simple steps that can help reduce the risk of costly losses. 

Just as important as maintaining your property is understanding how your insurance policy responds after a loss. Coverage often depends on the circumstances. For example, if a tree falls and damages a covered building, the resulting damage—and often the cost to remove the tree from the structure—is generally covered, subject to the terms and limits of the policy. However, a tree that falls without damaging covered property may not be covered. Likewise, rainwater that enters through an open window is generally not covered unless the building first sustains covered damage that allows the water inside. These distinctions are why it's valuable to review your coverage before severe weather strikes.

After a storm, property owners should also take reasonable steps to protect their property from further damage, such as covering damaged roofs or broken windows with temporary repairs until permanent repairs can be made. Routine maintenance, prompt action after a loss, and regular conversations with your insurance agent can help ensure you're better prepared when the next round of severe weather moves through. At Farmers of Salem, we believe that protecting property starts long before the forecast calls for high winds.

Disclaimer: The information provided is for general informational purposes only and is not intended to amend, interpret, or replace any insurance policy. Coverage is subject to the terms, conditions, limitations, exclusions, and endorsements of the applicable policy. Please consult the actual policy forms and your independent insurance agent for complete coverage details.