Tornados

These are the DIY actions I recommend you take before a storm in Minnesota as a 30-plus-year insurance agent. I know it’s important to be prepared for severe thunderstorms, flash flooding, and tornadoes. I get the call when their property is damaged and they need to use their insurance. A challenge of my job is when clients report the loss of memories or irreplaceable items, and there are times, with proper planning, it could have been avoided. While you believe it never could happen to you, I recommend that you prepare like it could.

It’s important to stay informed about weather conditions, there are several DIY activities you can do to protect your home and keep your family safe during a severe weather event.

Before The Storm

1. Close your windows and doors:
   Shutting doors and windows to protect the structural integrity of the building envelope (roof, windows, walls, and doors) against strong winds. This helps compartmentalize any pressure forces should a window or exterior door take damage. A sealed home is a safe home.
2. Make sure your cell phone is ready.
   Keep your phone charged and emergency alerts on. Make sure emergency alerts are enabled on your smartphone, even at night. Your phone is a more reliable way to follow ongoing storm developments.
3. Shut the garage door:
   The garage door is one of the most vulnerable parts of a house in high winds. Keeping it closed during thunderstorms and tornadoes minimizes the pressures that can cause roofs and exterior walls to be damaged. See what happens when garage doors fail in high winds.

Now that winter is ending, you should add these activities to your Spring Cleaning list.

1. Exterior Inspection:
   Conduct a thorough inspection for vulnerabilities in and around your dwelling. Embark on a perimeter stroll of your residence, vigilantly observing and cataloging any signs of wear or damage, including compromised roofing materials, unsecured guttering, or encroaching tree limbs looming above. Compile these observations into an organized checklist and arrange for necessary maintenance.
2. Inventory Possessions:
   Take stock of your personal items. Utilize your smartphone to capture images and record details of your possessions. Maintain a current inventory list for easy access should you need to report any lost or damaged property. Examine
3. Your Insurance Coverage:
   Engage in a conversation with your insurance representative to ensure your policy is up-to-date and encompasses protections against the types of storms prevalent in your region. Think about incorporating the Better Roof Replacement option from Nationwide into your policy for assistance in constructing a more resilient and secure roof following a covered loss.

Storm Coming…

Here are 7 pre-storm activities you should do before a severe thunderstorm, flash flooding, or tornado in Minnesota.

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