| Photo supplied by News Canada|
(NC)—Summer storms can be a welcome relief to the scorching temperatures, but the aftermath can be unpleasant. TD Insurance offers the following advice to homeowners to ensure their home and valuables stay safe from severe weather:
• Adhere to regular outdoor home maintenance: According to a recent TD Insurance poll of more than 1,000 Canadians 18 years of age and older, less than half of Canadians check for blockages to prevent water from draining away from the home, and only 36% remove weak branches and trees from their property. Did you know that downspouts should extend at least 1.8 metres from the foundation and face away from the house? To ensure your home is properly maintained walk around your home's exterior to check for these red flags.
• Know your valuables: Less than one-quarter of Canadians keep a detailed inventory of their valuables. Noting the serial numbers and dates purchased on your valuables will make claims easier. You can also photograph items to keep a record so that you'll be well equipped to make an insurance claim.
• Understand your insurance: The poll also revealed that less than one-third of respondents have read their insurance policies or know exactly what they're covered for. For example, a lesser known fact is that if your roof leaks, the damage to the roof itself is usually not covered since it's deemed a home maintenance issue, while the contents of your home would be. This is just one reason why you should read your policy so that there aren't any surprises.
• Exercise caution: Thinking ahead and being prepared is a great approach to many situations, and particularly when it comes to unpredictable weather.
In addition, Dave Minor, Vice President, TD Insurance says, “Depending on the severity of the weather warnings, you may want to consider moving your car under cover and bringing your lawn furniture inside.”