Ramsey Insurance Blog

As a homeowner, West Virginia home insurance forms an important part of managing the risk of damage and losses from storms and other kinds of severe weather. Prolonged winter weather can be devastating to a building that is not adequately prepared for it, so it pays to do a little maintenance before winter arrives.

1. To prevent storm damage to your home, you particularly need to ensure your roof is in good shape. Rust, loose or missing tiles or damaged shingles, dislodged flashing, and moisture problems can all affect your home’s ability to cope with storms. Get repairs and maintenance done before winter comes, and the roof cover replaced if necessary.

2. Gutters that are blocked may prevent proper drainage and may lead to flooding or roof moisture damage, so make sure to get your gutters regularly cleared of debris, and consider using leaf guards for extra protection.

3. Where lightning may be a problem you should consider a lightning protection system and/or an electrical surge protector to help protect your electrical equipment from damage and reduce fire risks.

To conclude – regular roof inspections, gutter cleaning and general repairs and maintenance may help reduce your home’s risk of damage from winter storms. These measures may also help to reduce the number of claims you need to make on your West Virginia home insurance, which in turn may keep your costs down in the long run.

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