Sacramento’s winter storm season brings heavy rain, occasional high winds, and periodic hail that can genuinely damage a home if it’s not prepared. A little proactive maintenance goes a long way toward reducing both the odds of damage and the size of any claim you do end up filing.
Roof Maintenance
Have your roof inspected before winter storm season, particularly if it’s more than ten to fifteen years old. Loose or damaged shingles are far more likely to fail during high winds or heavy rain, and catching issues early is much cheaper than dealing with interior water damage later.
Gutter and Drainage Maintenance
Clean gutters and downspouts before the rainy season begins. Clogged gutters can cause water to back up under roofing or pool near your foundation, leading to water damage that’s often more expensive to fix than routine gutter cleaning.
Tree and Landscaping Maintenance
Mature trees, common throughout Sacramento’s older neighborhoods, can drop large limbs during high winds. Regular trimming of dead or overhanging branches reduces the risk of damage to your roof, windows, or vehicles.
Window and Door Seals
Check weatherstripping and seals around windows and doors before storm season to prevent water intrusion during heavy, wind-driven rain.
Foundation and Grading
Make sure the ground around your home’s foundation slopes away from the house rather than toward it, which helps prevent water pooling and potential foundation or basement water intrusion during heavy storms.
Secure Outdoor Items
Before a forecasted high-wind event, secure or store outdoor furniture, decorations, and other loose items that could become projectiles or cause damage in strong winds.
Sump Pumps and Backup Power
If your home has a sump pump for drainage, test it before storm season and consider a battery backup in case of a power outage during a heavy storm.
Review Your Insurance Before Storm Season
Confirm your policy’s wind and water damage coverage, understand your specific deductibles, and consider whether a sewer backup endorsement makes sense given your home’s age and drainage situation.
Frequently Asked Questions
Does home insurance cover storm-related roof damage?
Generally yes, for sudden wind or hail damage, though normal wear and tear on an aging roof typically isn’t covered.
How often should I have my roof inspected?
Annually, or at minimum before winter storm season, especially for roofs over ten years old.
Is sewer backup coverage important given heavy rain events?
It can be, particularly for older homes with aging drainage systems, since heavy rain can overwhelm older infrastructure.
Prepare Your Home Before the Next Storm
Eugene C. Yates Insurance Agency can review your policy’s storm-related coverage before Sacramento’s winter storm season arrives. Contact us today for a free review.