Storm Sandy is a reminder of how natural disasters -- whether tropical storms on the Atlantic coast or wildfires in the west -- can damage our homes, often our largest single investments.
But there are immediate actions you can take to protect your property should catastrophe strike. Depending on the age of your home, some protrections may already be in place,
Apart from major flooding, most damage occurs when water seeps in through cracks. Make sure that windows and doors are well sealed. Seal any cracks and holes in the foundation and exterior walls. Repair or replace roof shingles around any area that allows water to penetrate the roof sheathing.
Check for holes or air leaks in the attic and basement. Your basement windows and doors should have built-up barriers or flood shields. Inspect your sump pump regularly to make sure that it is working properly. Install or make sure that the flashing, a thin metal strip, around the doors, windows, thresholds, chimney and roof are in tact.
Minimize the damage by keeping the wind from getting inside your home. Windows and glass doors should be fitted with impact-resistant, laminated glass or covered with impact-resistant shutters. Consider solid wood or hollow metal doors, which are more likely to resist wind pressure and flying debris. Roofing products with high wind resistance are available.
Inexpensive home improvements include installing a spark arrestor on your chimney, eliminating brush and debris from around your property, and modifying your attic, sub-floor and basement vents. More expensive improvements include replacing single-pane glass windows, doors or skylights with tempered glass, recovering your exterior walls with a more fire-resistant material, and re-roofing your home with a Class A roof covering.
Of course, there may be times, when no amount of prepping can protect your home. However, homeowners insurance can help protect you financially in case something happens to your property or its contents. Most standard homeowners insurance policies include structural coverage and personal property coverage.
Be aware that flood damage is not covered under the traditional homeowners insurance policy. Flood insurance needs to be purchased separately through the National Flood Insurance Program, a federal program. It is available to nearly 20,000 participating communities across the U.S. and its territories. Flooding can be caused by heavy rains, melting snow, inadequate drainage systems, failed protective devices --and, as we just learned, major storms.
Periodically review your homeowner's insurance policy to make sure that you are adequately covered to rebuild your home and replace your contents.
If there is ever damage to your personal property, having a home inventory can make it easier when filing an insurance claim. Start with a sheet a paper for each room in the house. Go around the room and list every item. Don't forget the attic, basement or other storage places.
For each item, write the original cost, purchase date, replacement cost, model number, brand name, where purchased, and a general description. In addition, take photos or video of each room for visual documentation. It is also a good idea to arrange valuable collections, silver, jewelry, etc. and take close-up photos. Make sure you update your home inventory list and photos at least once a year.
When weather-related disasters strike, what's most important is your safety and that of your family. However, by taking precautions to protect your home, you may keep damage to a minimum; or in the case of severe damage, make sure that you have the financial means to rebuild.
Linda Skolnick's "Skolnick's Scoop" appears every other Friday. She is a Realtor with Coldwell Banker Riverside in Westport and can be reached by calling 203-246-0088 or by through her website, www.GoAskLinda.com.