5 Common Insurance Hazards to Prepare for This Spring

5 Common Insurance Hazards to Prepare for This Spring

From Rainstorms
to Potholes, These Tips Can Help to Prepare You Against Common Springtime
Insurance Claims


For many people, the season of spring
is eagerly welcomed after a long and cold winter. However, as
many seasoned
are aware, along with warmer temperatures and bright sunny days,
spring can also bring its own set of issues. Continue reading to learn more
about what

hazards are most common during the spring, and how to best prepare
for them!


1. Flooding

5 Common Insurance Hazards to Prepare for This Spring

April showers may bring May flowers but they can also lead to major
issues in and out of flood zones. It’s important to note that there is a
difference between flood damage and water damage. While

flood damage
is typically caused by rainwater or overflowing bodies of water,
actual water damage is more often caused by
, broken pipes and other home maintenance related issues. If you live
in a residential flood zone, there is a good chance

your mortgage
company required you to purchase flood insurance
while applying for the loan. In most cases, regular
will not cover damage caused by flooding.

While flood damage is not 100% preventable, there are a few things you
can do to lessen the likelihood of your


Install foundation vents or a sump pump

Apply extra coatings of sealant to your
foundation, walls, windows and doorways

Grade your lawn away from your house

Point downspouts away from your home


2. Fallen Trees 

5 Common Insurance Hazards to Prepare for This Spring

High winds and lightning storms have the
potential to cause some real damage to your home and property. According to a
study conducted by Kent State University, there were nearly 400 deaths due to
incidents from 1995 – 2007. This is not including the non-death
related falling-tree incidents. It’s important to make sure your home and
vehicles are both insured properly so that you will be covered in the event
that a tree or tree branch were to fall on them. While we can’t control
, there are a few things you can do to help the trees on your property
better withstand these

Remove dead or partially attached branches that
are hung high enough to potentially fall and cause damage or injury

Remove cracked stems and forked branches

Remove trees with hollow or decayed areas on the
trunk or main limbs

Remove trees that have mold or mushrooms growing
from the bark as it could indicate a decaying or weakened internal structure

Remove trees with heaving soil at the tree base
as this can indicate an unsecure root system


3. Potholes 

5 Common Insurance Hazards to Prepare for This Spring

approaches, it is not uncommon to see more potholes in the road.
Unfortunately, these can ruin a vehicle’s tires and even damage the wheel or
frame of
if hit hard enough.
Collision coverage
will often cover pothole damage although it is
best to consult your
about what your individual policy covers. It’s important to keep an
eye out for potholes and avoid them whenever possible. If you must

over them, do so slowly and carefully to avoid damage to your
. You might even consider reporting the pothole to your area’s
Department of Transportation for repair. 


4. Hail Damage 

5 Common Insurance Hazards to Prepare for This Spring

Along with thunder
and lightning
can come some pretty severe hail storms. These
balls of ice can hit

siding, and unprotected vehicles hard enough to create cracks, dents,
and even break glass! Oftentimes damage caused by hail is covered under your
policy, however it is always best to check with your agent when you
have questions about coverage. Those who carry
should review their policies as well to be sure that they are covered
for hail damage should it occur.

To protect your home and vehicle from hail damage, you can do the following:



Store vehicles inside a garage or under a carport
whenever possible

Alternatively, use a protective covering when a
storm is approaching

Find temporary shelter for your vehicle before a


Home and

Carry out routine inspections to ensure your roof
is in good shape

Protect your windows with functional shutters

Shelter your landscape and gardens with makeshift


5. Driveway Cracks 

5 Common Insurance Hazards to Prepare for This Spring

Drastic weather and temperature changes can often cause
surfaces to move and crack. You’ll want to review your home
insurance policy
to see if you are covered for this type of loss.
It’s important to address these cracks as soon as possible to prevent trip
hazards as well as to take preventative measures against further damage.
Depending on the type of driveway you have, you can help prevent cracking and
by doing the following:


Apply an extra layer of sealant to an existing

Lift, level and reseal existing cracks and

Avoid leaving chemical leaks, excess dirt and
other materials to sit on your concrete or asphalt driveway for long periods of
time as they are porous and can weaken your driveway

Now that you are ready to tackle and evade these five insurance
hazards, you might be interested in learning what else you can do to prepare

your home
for spring. Check out the link below to learn more!

5 Common Insurance Hazards to Prepare for This Spring