California Storms Require Homeowner Action

With rain, snow and freezing temperatures in the forecast across much of California, homeowners need to act to prevent possible damage.

From 1986 through 2006, winter storms accounted for $23.1 billion in losses nationwide, with wind, hail and flood adding another $9.3 billion.

To limit the possible damage from these winter risks, the Insurance Information Network of California recommends that homeowners take the following precautions:

• Disconnect all outside hoses and turn off outside faucets. If leaving the home for a long period of time, turn off the water to the house and turn on the faucets to drain the pipes.
• Know the location of the water shut-off valve. Should a pipe rupture, quick action to shut off the water supply can prevent excessive damage.
• Homeowners in recent wildfire areas should be prepared to evacuate if necessary by collecting copies of their insurance policy and other critical documents.

When the storms clear:

• Trim trees. High winds can rip branches from trees which ultimately could damage your home.
• Maintain gutters. Keep gutters clear of debris and seal any leaks that may drip onto a walkway causing a slip hazard.
• Insulate water pipes. Freezing temperatures can cause pipes to burst. Insulate pipes which may be exposed to cold temperatures and consider using heated pipe tape in more extreme climates.

Many winter calamities are covered by a standard homeowner insurance policy, however, flood damage is not.

To insure against flooding, homeowners should plan ahead and purchase flood insurance, which is available through insurance agents. Flood insurance typically requires a 30-day waiting after purchase.