As a team of seasoned insurance agents in the Land of 10,000 Lakes, the team at Bialke Insurance Agency understands the unique challenges local homeowners face during the scorching summer months. And this year (2023), we face more challenges with record-breaking heat, poor air quality, and occasional violent wind and hail-producing storms.
As a Twin Cities homeowner, what are you supposed to do to keep protecting the value of your home during times when it becomes challenging to tend to the exterior of the property?
Taking another look at the situations and steps outside of the box will become more critical than ever to protect home values.
In this blog, we share some valuable advice and tips to help you better shield your investment during a summer season of the likes of 2023.
(1) Invest in and Review Your Home Insurance:
First and foremost, ensure you have comprehensive home insurance coverage. While it might seem obvious, some homeowners overlook this crucial aspect, hoping to save money by “shopping” their insurance with an online quoter. A well-tailored insurance policy can provide financial protection against potential damages caused by summer storms, hail, and other extreme weather events. Reviewing your policy can help you potentially find and correct gaps in your coverage. Reach out to your insurance agent to review your policy and make sure you have adequate coverage for your needs.
(2) Fortify Your Home against Wind and Hail:
The violent storms that can arise during a Minnesota summer can wreak havoc on a property. To bolster your home’s defenses, consider these measures:
- Reinforce Roofing and Siding: Ensure your roof is in good condition and capable of withstanding strong winds and hail. Repair loose shingles and inspect your siding for any vulnerabilities.
- Trim Trees and Branches: Remove overhanging branches and trees close to your home that could potentially cause damage if they fall during a storm.
- Install Storm Shutters: Invest in storm shutters to protect your windows from hail, wind-blown debris, and rain damage.
(3) Prepare for Power Outages:
Extreme heatwaves can put an extreme strain on power grids and increase the likelihood of power outages. To stay comfortable and protect your home during blackouts, consider the following:
- Obtain a Generator: Consider investing in a backup generator to ensure essential appliances and systems continue to function during power outages.
- Unplug Electronics: To prevent damage from power surges when the electricity returns, unplug sensitive electronics during an outage.
(4) Enhance Indoor Air Quality:
During the summer, poor air quality can be a concern, especially for those with respiratory issues. To maintain a healthy indoor environment, try these tips:
- Invest in an Air Purifier: Some furnace systems have these built in, but many require an after-market installation, but they’re worth the investment. Air purifiers help to filter out pollutants and allergens, creating cleaner air for you and your family.
- Regular HVAC Maintenance: Schedule routine maintenance for your HVAC system to ensure proper functioning and avoid potential breakdowns during the peak summer months. Make sure you use a qualified service provider for the unit in your home so you don’t inadvertently void any service warranties.
(5) Protect Your Home from Extreme Heat:
When dealing with soaring temperatures, it’s essential to keep your home cool and energy-efficient:
- Insulation: Ensure your home is adequately insulated to keep the indoor temperature stable and reduce cooling costs.
- Window Treatments: Install curtains or blinds to block out direct sunlight, preventing your home from becoming a greenhouse.
- Use Fans: Optimize the use of fans, both ceiling and portable, to circulate air effectively and reduce reliance on air conditioning.
(6) Be Prepared for Emergencies:
Despite taking preventive measures, it’s crucial to have a contingency plan in case of emergencies. Create an emergency kit that includes essentials like first-aid supplies, non-perishable food, water, flashlights, and a battery-powered radio.
(7) Regular Home Maintenance:
Last but not least, regular maintenance can significantly contribute to protecting the value of your home:
- Gutter Cleaning: Clear out debris from gutters to prevent water damage and potential leaks during summer storms.
- Inspect Foundations: Check your home’s foundation for cracks or signs of damage. Address any issues promptly to prevent further complications.
- Pest Control: Warm weather attracts pests. Implement pest control measures to protect your home from unwanted visitors.
In conclusion, this summer in Minnesota may present its share of challenges with extreme and unpredictable weather. However, by being proactive and taking necessary precautions, you can safeguard the value of your home and ensure your family’s safety. Remember, a well-prepared homeowner is a confident homeowner!