In recent years, the rainy season in San Diego has become increasingly unpredictable. It’s not unusual for rainfall levels to cause flooding and break records over a two-week period between November and March, yet overall precipitation levels may end up being lower for the season. Homeowners in San Diego shouldn’t take chances when the rains come. It’s always better to anticipate the worst-case scenario than having to deal with rain damage in the middle of the season. Here are some recommendations to help you prepare for San Diego’s unpredictable rainy season.
Make Sure You Have Adequate Insurance Coverage
Flood plain maps are constantly changing and being updated. If the Federal Emergency Management Agency determines your home is in a flood zone, your mortgage servicing bank will certainly let you know. If you own your home free and clear, you may have to do this research on your own by looking up FEMA maps or asking for assistance from your insurance agent. As for a standard homeowners insurance policy, you’ll be covered in case of damage caused by rain, but not if you’ve neglected to look after preventable issues, some of which are covered below.
When looking for suitable homeowners insurance, San Diego residents can consult one of the most knowledgeable professionals at Altra Insurance.
Check the Condition of Your Roof
The best advice in this regard is to get a professional opinion from a roof inspector. However, there are a few things you can spot on your own. If you notice a section of the roof is visibly sagging, this condition could worsen after a few rains. Broken roof shingles can be replaced and may not require further work unless you notice water coming from the ceiling or running down the walls.
Inspect the Condition of Rain Gutters
The importance of adequate drainage from your rain gutters is second only to the condition of your roof. Clogging, particularly with dry leaves, is the most common issue affecting gutters in San Diego. For the most part, clearing gutter obstructions is easy as long as you have a ladder plus a long water hose that can reach them.
Prevent Excessive Moisture and Mold
If you’ve had a roof or structure leak in the past, make sure the affected area has been repaired so it’s able to withstand the increased ambient humidity and moisture brought by the rainy season. Any surfaces that show water spots now are bound to be affected by mildew and mold growth if they aren’t treated accordingly.
Examine the Weather Stripping Around Your Home
Doors and windows that face your home’s exterior should be properly sealed ahead of the rainy season. The top section of your windows should have gaskets or sashes that can redirect rain drops to the glass or off to the sides to prevent water from leaking in. If your home improvement budget is tight, you can always resort to do-it-yourself caulking in the meantime.
One of the most important things you should do in advance of the rainy season is make sure you have adequate homeowners insurance. For information on any aspect of home insurance, reach out to the insurance experts at Altra Insurance Services. We also offer affordable, reliable renters, motorcycle, and auto insurance. San Diego residents should call one of our friendly agents at (800) 719-9972 today for a free quote.