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Severe Weather is Approaching in Wheat Ridge, Colorado. Are You Prepared?

Photo by Raychel Sanner:

Severe weather is a common occurrence in many parts of the world, and it can have a devastating impact on homes, businesses, and communities. That’s why it’s important to be prepared for severe weather events like hail, tornadoes, severe thunderstorms, and blizzards. In this article, we’ll talk about how you can prepare for severe weather and what you should know about your insurance before storms hit.

First and foremost, it’s important to stay informed about severe weather events. You can do this by keeping an eye on the local news and weather forecasts, as well as by signing up for emergency alerts from your local government or weather service. These alerts can provide valuable information about impending severe weather events and help you stay safe.

One of the most important things you can do to prepare for severe weather is to create an emergency kit. This kit should include items like non-perishable food, water, a first aid kit, a flashlight, batteries, a radio, and any necessary medications. It’s also a good idea to include important documents like insurance policies, identification, and contact information for family members and emergency services.

In addition to creating an emergency kit, you should also take steps to protect your home from severe weather. This can include things like reinforcing your roof, trimming trees around your property, and securing loose items like patio furniture and outdoor decorations. If you live in an area that’s prone to flooding, you should also consider purchasing flood insurance, as standard homeowner’s insurance policies typically do not cover flood damage.

Speaking of insurance, it’s important to understand what your policy does and does not cover before severe weather hits. Most standard homeowner’s insurance policies cover damage caused by wind, hail, and lightning, but may not cover damage caused by flooding, earthquakes, or other natural disasters. If you live in an area that’s prone to these types of events, you may need to purchase additional coverage to ensure you’re fully protected.

Another thing to keep in mind is that insurance companies may have specific requirements for filing a claim after severe weather events. For example, you may need to provide documentation of the damage, as well as receipts for any repairs or replacements you make. It’s a good idea to review your insurance policy and contact your insurance provider to make sure you understand what’s required in the event of a severe weather event. Take a look at this article published yesterday by KVDR about what you should know before filing a hail claim. Our own Kimberly Alire was interviewed for this article! She has some great insights, as do the rest of our reps at RMP. When dealing with hail damage on your car, it’ll be filed under your comprehensive coverage. Here’s a better explanation of comprehensive coverage

In addition to taking steps to prepare for severe weather and understanding your insurance coverage, it’s also important to practice safety when severe weather strikes. This can include things like seeking shelter in a safe place, staying away from windows and doors, and avoiding electrical equipment and plumbing during thunderstorms. If you’re driving during severe weather, it’s important to slow down and be cautious, as wet or icy roads can be dangerous.

Severe weather can be a scary and unpredictable force, but there are steps you can take to be prepared and protect yourself and your property. Stay informed about severe weather events, practice safe driving, and contact your insurance rep to fully understand what your policy covers. We want to ensure you’re ready for whatever Mother Nature throws your way.

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