How to Prepare Your Home for Storm Season

Trim trees. Flying branches and falling trees are some of the most common — and expensive — causes of damage during hurricane season. And you may get stuck with a big chunk of the bill. Your homeowners insurance policy will generally cover damage to your home caused by trees, but it usually pays no more than $500 to $1,000 for tree removal, even though it can cost a few thousand dollars to clean up a fallen tree . Bob Welther, assistant vice-president of the risk consulting group for insurer ACE Private Risk Services, recommends having an arborist come out each spring to inspect the trees near your home to identify any branches that could come crashing down.

Clean gutters and waterproof your house. Remove leaves and other debris from your gutters, which can clog them and send water pouring down the side of your house or under the roof. And check for cracks that could let water into your house. Welther recommends that you inspect your roof and make sure none of the shingles or tiles are damaged and that the vents are all sealed so wind-driven rain won’t enter your house.

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