Storm Proofing - Bob Vila

Category: Storm Proofing


Solved! What to Do When a Tree Falls on the House

When disaster strikes and a tree falls on the house, follow this action plan to ensure safety for you and your family and mitigate the damage to your home.

What to Do When a Tree Falls on Your House

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Q: We just experienced a strong thunderstorm, during which a tree blew over on our house! We have no experience with this sort of thing. What should we do now? Help!

A: A tree falling on a home—for any reason, whether due to high winds, an ice storm, or a rotted tree simply toppling—can cause extensive structural damage. Immediately get your family out of harm’s way, and then focus on minimizing additional damage and having the damage repaired.

Call 911 and the electrical company if power lines are down. When a tree falls on the house, there’s always a chance it’ll take electrical power lines down with it. This creates a hazardous situation with an increased risk of fire or deadly electrical shock. Signs that a power line is down include no electrical power in the house or flickering lights. From outside, you may be able to actually see if a power line is trapped in the fallen tree. In some cases, a downed line may still be functioning, but it still creates a risk, so shut off the power at your breaker box if you know or even suspect that the tree took a line down with it.

Call the authorities and your local electrical company. If you smell smoke, get your family out of the house and call from your neighbor’s. The electrical company will dispatch technicians to repair the lines. Local law enforcement may need to block traffic on your street, and the fire department may send a unit to stand by as a precaution until safety is restored.

What to Do When a Tree Falls on the House

Photo: istockphoto.com

Prevent further immediate damage. A fallen tree can cause broken windows as well as a hole in your roof or siding; even brick and stone can be damaged by the impact. You could also potentially have damaged gas lines. While gas lines are buried, there’s a chance they could be affected if the tree fell in the area where they enter your home. As a precaution, it’s a good idea to shut off the gas at the meter until you’re sure the lines weren’t damaged. You’ll find a shut-off valve near the meter. To shut off the gas, use a wrench to turn the valve a quarter of a turn to the right.

Call a reputable contractor to tarp or board up broken windows and any holes in the roof or sides of your home. This step will protect your home’s interior and your belongings from additional weather damage. If you want to take part in covering broken windows, do so carefully, to avoid sharp glass, but it’s best to leave roof-tarping to the pros. Parts of the roof may not be stable enough to walk on safely.

Obtain accurate documentation for insurance claims. Take photos or a video of the damage—both outdoors and indoors—as soon as all immediate danger has passed. Remain on the ground and let a roofing professional take pictures of the roof. Document broken windows, damaged siding, structural damage, and damage to the contents of your home. Don’t leave anything out; the pictures you take now are vital as evidence for your insurance claim.

Call your homeowner’s insurance agent to start the claims process. You may be asked to consult two or three local contractors to get estimates for the repair work. Or, depending on your insurance company, a claims adjuster may be sent out to examine your home. In that case, the adjuster will determine the extent of the damage and the corresponding repair costs.

Consult your homeowner’s insurance policy to understand your financial obligation. You will probably be required to pay a deductible, after which the insurance company will kick in for the balance of the repair costs—up to a certain amount, based on your individual policy terms. Common deductibles range from around $500 to $2,000, and sometimes even more, depending on amount of premiums and the coverage limits. If you’re like most homeowners, you probably haven’t read all the fine print in your policy, so go through it now so you know what to expect.

If an “Act of Nature”—such as thunderstorms, ice storms, and high winds—caused the tree to fall on the house, in most cases, your policy will cover the repair expenses, minus your deductible. Your policy will pay even if the fallen tree belongs to a neighbor or a municipality in an “Act of Nature” situation. Your claim might be denied, however, if you caused the tree to fall through reckless action, such as attempting to cut it down without professional assistance.

Hold off on permanent repairs until you and your insurer agree on the amount of your claim. Depending on your policy, your insurer might impose limits on specific repairs, such as the price of tree removal. If costs are beyond the permitted amount to, you may be liable for the balance.

If the total amount offered by your insurer does not cover the cost of the estimated repairs, you have the right to appeal their decision and have them reevaluate your claim. If this happens, submit bids from contractors showing that the costs are higher than your insurer is allowing.

Keep track of expenses you incur related to the damage. Expenses incurred for emergency damage control are almost always covered, so save your receipts if you had a contractor tarp your roof or board-up windows. If your home is not habitable, your insurance company may also reimburse you for some of the expense of temporarily renting an apartment or staying in a hotel. Don’t just assume, however, that all your expenses will be covered—call your agent to make sure.

Make your final payment only when satisfied with the contractor’s work. Legitimate contractors often request payment for materials before they start work, but they should not ask for prepayment for their labor to make the repairs. If the repairs are extensive and will take more than a few weeks to complete, the contractor may reasonably ask for partial payments to be made on an agreed-upon schedule, but the final payment should be made only when the repairs are complete to your satisfaction.


9 Things You Won’t Believe Home Insurance Doesn’t Cover

Read the fine print on your homeowners insurance policy to ensure that you’re covered for everything. If you're not careful, these 9 high-risk liabilities might not make the cut.

Most homeowners insurance policies get squared away in the early stages of home buying and aren’t much looked at again until the time comes when they’re needed, say, after a burglary or significant storm damage. But don’t wait until the day you need to invoke it to learn what your policy doesn’t cover. A number of liabilities—ranging from trampolines to certain pests, and from out-of-the-home businesses to certain dog breeds—may not be included. So, before you’re caught off guard in a worst-case scenario, double-check your policy to make sure you’re protected for the following scenarios.

 

1. You Run Your Business Out of Your Home.

What Does Homeowners Insurance Cover - Not Home Businesses

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Typically, home insurance covers only minor damages on at-home work equipment, up to a $2,500 loss limitation for business property, such as computers. Yet, for those who keep large amounts of inventory on their premises, such a small payout in all likelihood wouldn’t cover the cost of replacement. So, for business conducted in your home—not to mention liability for potential lawsuits—it’s wise to purchase a separate business insurance policy.

 

2. The House Sustained Flood Damage.

If you, like many homeowners, mistakenly believe that your homeowners insurance policy covers your property for flood-related damage, you’re not alone. Most people are surprised to learn that floods are excluded from coverage on almost every standard homeowners policy. Those who want protection need to apply through the federal government’s National Flood Insurance Program, which is run by FEMA.

3. Your Sewer Backed Up.

With a strong El Niño predicted for 2016, torrential downpours could cause sewer backups into your drains and basements, causing thousands of dollars in damage. Most sewer backups, however, are not covered under a standard policy, nor are they covered by flood insurance. The good news: You may be able to purchase a separate rider for protection.

 

4. You Own a Certain Dog Breed.

What Does Homeowners Insurance Cover - Not High-Risk Dog Breeds

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According to the Insurance Information Institute, dog bites and other dog-related injuries accounted for more than $500 million in homeowners insurance liability claims paid out in 2014, constituting more than one-third of all homeowners insurance claims. While most injuries caused by pets are covered by home insurance, some policies exclude those caused by certain “high-risk” breeds, like German shepherds or pit bulls. Check with your agent to be sure your dog’s breed won’t compromise your coverage.

 

5. You’ve Detected Termites.

According to the National Pest Management Association, in the United States termites cause an estimated $5 billion in damage each year—none of which is covered by homeowners insurance. While you can sometimes obtain something like termite coverage through a pest removal service, you’re much better off taking measures to prevent the problem. Trim back trees, keep your roof in good repair, and avoid ice dams caused by snow accumulation in order to keep these pests from penetrating your property. If your home is prone to termites, schedule a regular inspection with a pest professional.

 

6. Everything Is Under Construction.

What Does Homeowners Insurance Cover - not poor remodels

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Considering a remodel this year? It’s nearly impossible to collect on a claim from your homeowners policy for faulty, inadequate, or defective workmanship, materials, or maintenance. That means, if you plan to hire a contractor, it’s important to confirm that he is licensed for liabilities. Request a physical or digital copy of any contractor’s insurance certificate from his insurance company. In the event that a contractor does something that injures someone or damages your home, he’ll be liable to pay for it—not you. You may also want to invest in additional coverage, such as a “builder’s risk policy” (also called a “course of construction” policy), to protect the premises during the construction process from damages including wind, rain, and even theft.

 

7. Burglars Found the Cash.

Let this be a lesson: Don’t go stashing significant cash underneath your mattress or between couch cushions. A standard homeowners insurance policy offers very limited coverage on lost paper money, typically capped at $200 (although the amount of coverage depends on the individual insurance company and the specific policy). Cash often gets lumped into the same category as collectibles, coins, medals, and banknotes, as “personal property,” with an aggregate limit in a standard homeowners policy. Unless the policy specifically states otherwise, don’t expect to be reimbursed for those bills lost during a burglary.

 

8. Your Pool Rivals a Water Park.

What Does Homeowners Insurance Cover - Not Diving Boards

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While you could jump from a diving board at nine out of 10 in-ground swimming pools about 15 years ago, today those boards are a much less popular addition—with good reason. Depending on the policy, premiums may increase significantly or liability claims may be denied due to these “high-risk” pool features. Such equipment may even disqualify a home from coverage altogether. Weigh the risks against the rewards before walking the plank.

 

9. You Set Up a Trampoline.

Similarly, while kids consider trampolines a blast for the backyard, most insurance companies call them a liability. The U.S. Consumer Product Safety Commission cites that trampoline-related accidents account for nearly 92,000 emergency room visits each year. Some homeowners insurance policies will not cover trampolines at all, meaning that if you, your kids, or any neighborhood kids get injured on the trampoline, your insurance company is not liable for the claim. Adding a trampoline could even result in non-renewal of your current policy. Before you buy or install a trampoline or any other “high-risk” playground equipment, you’ll want to read the fine print on your policy.


Bob Vila Radio: Fending Off the Next Flood

With a small handful of home upgrades, you can gain control over an influx of floodwater, going a long way toward preventing the most devastating damage. Keep reading to learn more.

With severe weather events becoming ever more common, it may be wise to prepare for the possibility of your home being subject to a major flood.

Flood Control Tips

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mp3 file

Listen to BOB VILA ON FLOOD PREVENTION or read the text below:

Before doing anything else, consult literature from the Federal Emergency Management Association (FEMA) to learn whether or not you live in a flood-prone area. If you are located in a vulnerable zone, don’t delay purchasing flood insurance, bearing in mind that many policies take at least 30 days to go into effect.

At home, there are a few other protective measures you can take. For one, make sure to label all the circuit breaks in the electrical panel. That way, you don’t waste any time in an emergency. Further, consider using bricks or pavers to raise up any appliances in the basement, and that includes the furnace and water heater.

An additional option: Hire a professional to add check valves to your plumbing system as a means of preventing wastewater from backing up into your drain lines. Another smart move is to set up a sump pump (or two) that would discharge any groundwater that enters the basement in the wake of a storm surge.

Finally, if you live in a particularly risky area, you may even want to think about constructing a levee. Neighbors might be willing to partner up for the project.

Bob Vila Radio is a 60-second home improvement radio tip of the day carried on more than 186 stations in 75 markets around the country. Click here to subscribe, so you can automatically receive each new episode as it arrives—absolutely free!


Staying Safe: 5 Home Must-Haves for Storm Emergencies

Don't wait for storm clouds—or warnings—before taking steps to keep your family safe. Here are 5 things you can do today to keep you safe and storm-ready should rough weather strike tomorrow.

Shutterstock

Photo: shutterstock.com

The old adage “an ounce of prevention is worth a pound of cure” is especially true when it comes to storm emergencies. Almost everyone knows you should have batteries and water on hand when the weatherman sends out the warning. Still, so many people end up scrambling at the last minute, with wind and rain bearing down, waiting in long lines at stores that are already sold out of storm essentials. Don’t get caught unprepared. Here are five home must-haves to keep you—and your family—safe should a storm emergency occur.

Energizer Weatheready Area Light

1.5-Volt Energizer Weatheready® 360-Degree Area Light at The Home Depot for $17.97.

1. Light & Batteries. When the power fails, it’s essential to have an alternative light source—and the batteries to power it. Consider something that is compact, yet offers abundant light, like the Energizer® Weatheready® 360-Degree Area Light, available at The Home Depot. The 1.5-volt lantern powers an LED bulb and operates on either AA or D batteries. (You can also use it for camping or wherever an additional light source may be required.) Make sure to have an ample supply of batteries not just for it, but for flashlights and portable radios as well.

2. Food & Water. You should keep a supply of food and water set aside for storm-related emergencies. The Federal Emergency Management Agency (FEMA) recommends storing at least one gallon of water per day for each member of your family, and to store a two-week supply. If you can’t store that much, store what you can. You should also consider storing a two-week supply of food. Include foods that are high in calories and nutrition, and that don’t require refrigeration, water, or special preparation. Canned food, dry mixes, and cupboard staples are all good to stock. Keep your stores in a cool, dry place—dark, if possible. Monitor the expiration dates, and be sure to use things before they go bad, replacing as necessary.

Sentry Safe

Sentry®Safe Waterproof, Fire-Safe® Security Chest at The Home Depot for $28.97

3. Protection for Documents & Records. Storms and natural disasters can displace people from their homes, and sometimes destroy their homes altogether. It may be unpleasant to think about, but prepare for the worst. Recovering from disaster is hard enough—it’s even harder if you can’t prove who you are. Protect your important identification documents, such as birth certificates, Social Security cards, marriage certificates, adoption papers, passports, and naturalization documents, in something like a Sentry®Safe Waterproof, Fire-Safe® Security Chest. It will keep everything safe from water and fire damage, and, because it is compact and portable, you can take it with you if necessary. Other documents you should protect are wills, living wills, powers of attorney, and property deeds and titles. You can also store important DVDs, portable disks, and flash drives.

4. Plan for Evacuation. Should a big storm come your way, it may be necessary to evacuate. You’ll fare better if you are prepared, so develop an evacuation plan before your area is threatened. In devising your plan, keep a few considerations in mind:
– Be aware of low-lying areas on your evacuation route, and prepare for ways to circumvent them if necessary.
– Choose a destination to evacuate to that is outside of the affected area, preferably with family or friends who live close to your home, but who won’t need to evacuate. Hotels and motels fill quickly in evacuations, so if you do need to stay in one, make a reservation as early as possible.
– If you can’t get to family or friends or a hotel or motel, plan to go to a shelter. But be prepared to bring your disaster supply kit with you, and make arrangements for any pets, as shelters will not accept them.
– If you’re evacuating by car, be sure your tank is full of gas. Traffic jams are a given, and fuel supplies on the road could be very limited.

3M First Aid Kit

3M™ 169-piece First-Aid Kit at The Home Depot for $19.97.

5. First-Aid Kit. Be ready to handle minor injuries, because emergency workers will be stretched thin during a major storm. Have a first-aid kit on hand, such as the 3M™ First-Aid Kit, which comes in a portable carrying case and includes bandages, gauze, a cold compress, scissors, tweezers, and more.

With proper preparation, you can ride out a storm or natural disaster in relative comfort, with a modicum of inconvenience. So, don’t wait for the governor to declare a state of emergency.  Stock up now, be ready, and have peace of mind.

 

This article is sponsored on behalf of The Home Depot. Its facts and opinions are those of BobVila.com.