The 2013-2014 Winter season was one for the record books! We had record cold temperatures, record snowfall, and a little bit of ice.   Thankfully it’s finally over (I hope). It’s great to feel the warm sun and to enjoy God’s great outdoors. Unfortunately these conditions can also produce severe weather.

While it’s possible to enjoy a nice warm rain, or a mild thunderstorm, the past few springs in Indiana have produced a lot of severe weather. Hail storms, tornados, severe lighting, and dangerous straight line winds have become somewhat common place in Central Indiana. Homeowners insurance companies report year over year losses on homeowners insurance in Central Indiana since 2007 because of severe weather.

While the homeowners insurance companies make adjustments to coverages and our premiums to prepare themselves for future upcoming storms, what have you done to prepare your family and your home for these storms?  Preparing yourself and your home for these inevitable storms could save your life, as well as thousands of dollars in home repairs.

Exterior checklist

• Check your roof for leaks and missing or loose shingles as these may cause water or damage to your roof or attic.
• Check Windows for leaks and caulk accordingly. Small leaks can cause major damage to walls and floors.
• Clear gutters of leaves and obstructions.
• Cut back trees from your home and remove dead or broken limbs.

Interior Checklist

• Pick a centrally located room on the lowest floor of your home with the fewest number of windows to gather in case of severe weather.
• Keep flashlights, extra batteries, drinking water and non-perishable food ready in case of a power outage.
• If severe weather is in the area keep a weather radio tuned in for up to date warnings.

Spring is also a great time of year to talk to your insurance agent to make sure that you are adequately insured. Don’t wait until after you suffer a loss to learn what level of protection that your policy provides.