Spring brings new growth—and often heavy rain. April showers can trigger roof leaks, basement flooding, and water damage that lead to expensive repair bills. Is your homeowners insurance policy ready to cover these spring‑time perils?
1. How April Showers Cause Home Damage
Roof leaks & water intrusion: Aging shingles, clogged gutters, and poor attic ventilation can let rain seep in.
Basement flooding: Ground saturation around the foundation increases hydrostatic pressure.
Mold & mildew: Even minor moisture can foster mold growth, affecting indoor air quality and health.
2. Standard Homeowners Policy: What’s Covered?
Dwelling coverage: Repairs for rain‑driven damage to the structure—roof, walls, and windows.
Personal property coverage: Replacement of soggy furniture, electronics, and belongings.
Additional living expenses (ALE): Temporary housing if damage renders your home uninhabitable.
3. Common Exclusions & Gaps
Flood insurance: Standard policies exclude surface flooding; requires a separate flood policy.
Maintenance neglect: Wear‑and‑tear or damage due to lack of upkeep isn’t covered.
Sewer backup: Often excluded—add a specific endorsement if you’re in a low‑lying area.
4. Proactive Steps Before Spring Rains
Gutter cleaning: Ensure downspouts direct water away from your foundation.
Roof inspection: Replace missing or damaged shingles.
Seal gaps: Caulk around windows, doors, and the foundation.
Install sump pump: With a battery backup for power outages.
Elevate valuables: Move keepsakes and electronics off basement floors.
5. How to Review Your Policy
Check limits & deductibles: Make sure dwelling and contents limits match current reconstruction costs.
Add endorsements: Consider flood, sewer backup, or mold coverage riders.
Explore umbrella liability: Extra liability protection if spring storms cause injuries on your property.
Don’t wait until the next downpour to find out you’re underinsured. Contact us today for a free home insurance review—we’ll help you identify gaps and recommend the right coverage to keep your home safe this spring.
