While you may be enjoying lighter nights, don’t let insurance failure darken your days.

The birds are singing, the sun is shining, and the flowers are brighter than ever – spring is upon us! With all of the pleasantries of spring comes unpredictable rain, snow melt, and a sporadic forecast.

All homeowners should take action to protect their home and belongings from floods:

  • Check your home for dangerous conditions such as overhanging branches or unsecured lawn furniture. These could become projectiles during strong winds.
  • Review insurance policies and make sure you understand the coverage.
  • Take a home inventory of your property and make sure your insurance coverage is still appropriate to what you own.
  • Get a professional to check that your sump pump is in good, working condition.

Along with the birds, flowers, and sunshine, spring can bring a host of dangers:

  • A common disaster during spring is flooding. Flash flooding can occur anywhere during heavy rain or a sudden downpour. Homeowners and renters insurance does not typically cover damage from floods – separate flood policy must be purchased. Note that you cannot buy this if you see inclement weather approaching. Coverage takes around 30 days to kick into effect.
  • Don’t forget about your vehicle! Minimum liability coverage does not pay for any type of damage to your own vehicle. In order to be protected from weather-related damage such as hail, falling tree limbs, or flooding, you will need to purchase additional coverage, known as “comprehensive” or “damage other than collision.”
  • Windy conditions and dry weather increase the risk of wildfire. Rake leaves, dead tree limbs, and twigs from around your home! Remove dead branches that hang over the roof, too.

To receive your tailored homeowners insurance policy in Elk River, Minnesota, contact North Central Insurance today! Contact us today to get started.