Spring may bring warmer temperatures, blooming flowers, and longer days, but it also brings unpredictable weather. In Kentucky and many other parts of the country, spring storms can mean heavy rain, strong winds, hail, and even tornadoes. While we can’t control the weather, we can prepare for it—and that starts with making sure your home and insurance coverage are storm-ready.
As an independent insurance agency, Renee Jackson Insurance Agency is always looking for new and helpful ways to advise our clients—whether it’s recommending the right types of coverage or sharing expert tips like these to help you protect your home. Below are the top insurance tips every homeowner should follow to prepare for spring storms.
1. Review Your Homeowners Insurance Policy
One of the biggest mistakes homeowners make is assuming their current policy covers everything—until they need to file a claim and find out otherwise. Spring storms can cause damage in many ways, from fallen trees to roof leaks and flooding. Now is the time to review your homeowners insurance policy to ensure you have the right coverage.
-
Wind and Hail Damage – Standard policies typically cover wind and hail damage, but it’s important to confirm what’s included. If your roof is older, some policies may have limitations on coverage.
-
Flood Insurance – Homeowners insurance does not cover flood damage. If you live in a flood-prone area, you may need to purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer.
-
Sewer and Drain Backup Coverage – Heavy spring rains can overwhelm sewer systems, causing water to back up into homes. Standard homeowners policies don’t always include this coverage, so ask about adding an endorsement if needed.
As independent agents, we can help you compare policies across multiple providers to ensure you have the best coverage for your home.
2. Take Inventory of Your Home and Belongings
If severe weather damages your home, having a current home inventory will make filing an insurance claim much easier. Take photos or videos of your home’s interior and exterior, including:
-
Furniture, electronics, and appliances
-
Jewelry, art, and collectibles
-
Structural details like roofing, windows, and flooring
Store this inventory digitally or in a secure, weatherproof location so it’s accessible when needed.
3. Protect Your Roof and Gutters
Your roof is your home’s first line of defense against storms, so it’s crucial to keep it in top shape. Regular maintenance can prevent minor issues from turning into costly insurance claims.
-
Inspect for Damage – Check for loose or missing shingles, cracks, or signs of wear and tear.
-
Clean Gutters and Downspouts – Clogged gutters can lead to water pooling and roof leaks. Keep them clear of debris.
-
Consider Impact-Resistant Roofing – If your roof is due for replacement, impact-resistant materials may qualify you for insurance discounts.
Many insurers offer roof replacement cost coverage, but some only cover actual cash value, which factors in depreciation. We can help review your policy to ensure you have the right protection.
4. Trim Trees and Secure Outdoor Items
Strong winds can turn loose tree limbs and outdoor furniture into projectiles that damage your home or your neighbor’s property.
-
Trim overhanging branches that could fall on your house, fence, or power lines.
-
Secure patio furniture, grills, and garden decor before a storm.
-
Reinforce garage doors, as high winds can cause significant damage.
If a tree on your property falls on your neighbor’s house, your insurance may or may not cover the damage. Understanding liability coverage is crucial, and we can walk you through your policy to clarify what’s covered.
5. Check Your Deductibles and Policy Limits
Your insurance deductible is the amount you pay out-of-pocket before your insurance kicks in. Higher deductibles typically mean lower premiums, but it’s important to know what you’ll owe in case of a claim.
-
Wind and Hail Deductibles – Some policies have separate wind and hail deductibles, which may be higher than your standard deductible.
-
Replacement Cost vs. Actual Cash Value – Policies that only pay actual cash value (ACV) deduct depreciation from your claim. Replacement cost coverage ensures you can repair or rebuild without out-of-pocket surprises.
If you’re unsure about your deductibles or coverage limits, let us review your policy with you to make sure it aligns with your needs.
6. Have an Emergency Plan
While insurance protects your home financially, having an emergency plan protects you and your family.
-
Know where to take shelter in case of a tornado or severe storm.
-
Stock an emergency kit with essentials like water, non-perishable food, flashlights, batteries, and first aid supplies.
-
Save your insurance agent’s contact information for quick access if you need to file a claim.
At Renee Jackson Insurance Agency, we’re not just here to sell insurance—we’re here to help you prepare and protect what matters most.
Spring Storms Are Unpredictable—Your Insurance Coverage Shouldn’t Be
Preparing for spring storms starts with knowing your risks, reviewing your policy, and making smart home improvements. As an independent insurance agency, we work with multiple providers to ensure you have the right coverage at the best value.
Need help reviewing your policy or adjusting your coverage? Contact Renee Jackson Insurance Agency today—we’re always here with expert advice to help you protect your home and peace of mind.
Call us at 859-317-2217
Visit us at 1795 Alysheba Way #110, Lexington, KY 40509
Request a free policy review at reneejacksoninsuranceagency.com
