By Angela Epley
The American Dream has evolved over the years, but home ownership remains a cornerstone of that grand vision, among the largest and most important investments you'll ever make. Of course, the cost of owning a home includes much more than a mortgage, which is why it’s so important to protect your home against seasonal weather threats.
An ounce of prevention is worth a pound of cure, so it’s usually less expensive to invest in preventive measures and costlier to fix something after the fact. And while weather across the entire nation may be more or less extreme depending on the region, there are a few tried-and-true ways to protect your home during seasonal transitions.
As temperatures warm and greenery returns to the landscape, homes and buildings begin to thaw out. Look for damage caused by ice and snow that might make spring showers unpleasant:
Mother Nature’s vitality is in full swing during this seasonal transition. This is the time to fortify against heavy showers, as well as any exterior landscaping such as flora and fauna that can’t be brought inside:
Guard against extreme heat and hurricanes — both of which have been making more headlines in recent years:
The daylight hours begin to give way to longer nights, so take care of these tasks before the temperatures plummet:
Property and casualty insurance provided by United Services Automobile Association, and its affiliate property and casualty insurance companies is available only to persons eligible for P&C group membership. Each company has sole financial responsibility for its own products.
The typical homeowners policy doesn't include flood coverage, and in some locations, you may also need to obtain a wind-only insurance policy. Flood insurance can be purchased separately through the National Flood Insurance Program. The maximum limits of coverage available on the federal flood policy for residences are $250,000 on the building and $100,000 on contents. If you need additional flood insurance coverage beyond these amounts, you can contact USAA Insurance Agency which works with other insurance companies that provide excess flood coverage.
Flood insurance is not underwritten by USAA or its affiliates, and is provided by USAA General Indemnity Company, through an arrangement with the Federal Emergency Management Agency. The Federal government has financial responsibility for underwriting losses.
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