As we welcome the arrival of spring, we also know that this season can bring severe weather to Kansas and the greater Midwest. For example, according to the Insurance Information Institute, 40.7% of all homeowner’s insurance losses were for wind and hail insurance claims in 2022. With spring full of wind and hail, as well as more severe weather like thunderstorms and tornados, it’s crucial to be prepared. Your safety and peace of mind are our top priorities.
Understanding the Risks:
The Midwest is known for its dynamic weather patterns, particularly during the spring months. This region is prone to:
- Tornadoes: Kansas, in particular, falls within “Tornado Alley,” making it essential to have a plan in place.
- Severe Thunderstorms: These storms can bring damaging hail, strong winds, and heavy rainfall, leading to flash flooding.
- Hail: Hail can cause significant damage to vehicles, roofs, and other property.
- High Winds: Strong winds can down trees, power lines, and cause structural damage.
Preparing Your Home and Family:
Here are some essential steps to take to prepare for severe weather:
- Develop a Family Emergency Plan: Discuss and practice what to do in case of a tornado warning or severe thunderstorm. Identify safe places in your home, such as a basement or interior room on the lowest level.
- Assemble an Emergency Kit: Include essential supplies like a battery-powered radio, flashlight, extra batteries, first-aid kit, non-perishable food, and bottled water.
- Stay Informed: Monitor weather forecasts from reliable sources like the National Weather Service (NWS) and local news outlets. Sign up for weather alerts on your smartphone.
- Secure Your Property: Trim trees and branches that could fall onto your home or power lines. Secure outdoor furniture and other loose objects.
Reviewing Your Insurance Coverage:
Severe weather can lead to unexpected expenses. Now is an excellent time to review your insurance policies to ensure you have adequate coverage. Specifically, please pay attention to:
- Wind and Hail Deductibles: Understand your deductible amounts for wind and hail damage. Knowing these figures will help you prepare for potential out-of-pocket costs.
- Homeowners Insurance: Ensure your policy covers damage from wind, hail, and tornadoes.
- Auto Insurance: Check your comprehensive coverage for hail and wind damage to your vehicles.
We’re Here to Help:
We understand that navigating insurance policies can be complex. If you have any questions about your coverage, or if you’d like to review your policies before severe weather strikes, please don’t hesitate to contact us. We can help you:
- Clarify your wind/hail deductibles.
- Ensure your policies are up-to-date.
- Answer any questions you may have about your coverage.
Please feel free to send us a message, call us at 316.283.0096, or contact your agent directly to schedule a review.
Stay safe this spring!