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April Showers bring May Flowers

May FlowersIndeed they do; unfortunately though showers can also bring severe weather threats such as hail, high winds, tornadoes and lightning – especially in southern states. According to the National Weather Service, thunderstorms cause more than $1 billion in property damage each year. Most people only review their policy once when they shop for home insurance coverage and then forget about it. With these types of severe weather threats on the way, make sure you understand what your home insurance policy covers.

An Access Home Insurance Company policy provides coverage for most severe weather-related losses – other than flooding. A separate policy to cover flood damage is available however. Contact your agent for more information about this valuable coverage.


Below are some helpful tips to prevent spring storms from damaging your home:

1.  Clean out any leaves or debris that may have accumulated in the gutters. Check to make sure the downspout directs water away from the foundation, and add extensions if necessary to keep the water away from your house. It’s also a good plan to install gutter guards. These will protect your gutters from clogging and ensure that water does not accumulate on the roof.

2.  Replace roof shingles that are cracked or loose. This will help prevent damage from roof leaks.

3.  Check caulking for decay around doors, windows, corner boards, and joints, and re-caulk where needed. Be sure the seals are tight to improve insulation and prevent water damage.

4.  Trim your trees and remove dead or loose branches to prevent them from becoming projectiles during a storm.

5.  When a storm is approaching, be sure to move all patio furniture, trash cans and any other loose items outside – these could also become projectiles.


At Access Home Insurance Company, we know sometimes even the most extensive preparations by our policyholders cannot prevent storm damage from occurring..  After a storm passes, make sure to inspect your home and report any damage you find to us as soon as possible.  For detailed information on our claims process or to submit a claim, visit the Claims page.