Getting Prepared for Summer Storms

The steaks are sizzling on the grill, the smoky aroma mingling with the scent of grass clippings and sunscreen. In your ears is the rhythmic rat-a-tat-tat of the sprinkler, crescendoing and fading as it circulates to water the lawn. The delighted screams and laughter of children enjoying their freedom echo in the distance.

Are you ready for storm season?

That’s right. Because the languid days of summer bring many pleasures, it can be tempting to ignore the very real risk of summer storms to your home and property.

The threats can vary depending on where you live, so make sure you know what they are and how they can change with the temperatures.

What Are the Risks to My Home?

Summer storms don’t have to be catastrophic or news-making. Although we tend to associate devastation with hurricanes and tornadoes, the fact is thunderstorms are responsible for $15 billion worth of property damage annually. Another culprit can be hail, which causes around $1 billion worth of damage each year.

No homeowner wants to deal with the headache of replacing or repairing their home’s roof or siding, or for that matter, flood damage. In the very worst case scenarios, your home could be destroyed completely.

That’s why it’s important to know the types and categories of storms that are prevalent in your area, and when summer storm season usually occurs (for example, Atlantic storm season begins in June and actually lasts through November).

Armed with that knowledge, you can adequately prepare your home and other belongings for the worst.

Getting Prepared for Summer Storms

Assemble an Emergency Kit

Have items ready to go. Think about items you will you need if you have to evacuate quickly, or are stuck at home without power.

Everything from food and water to extra batteries and chargers should be included. has a comprehensive list of things to add to your emergency kit to make sure you and anyone living with you is taken care of in the event of a serious summer storm.

Routine Maintenance

It’s worth a little bit of time and money when things are calm to protect your property. Cracks in your roof and/or foundation can quickly become a problem if you’re dealing with severe thunderstorms or flash flooding.

Don’t just think about your home, either. If you have any trees surrounding or on your property, be sure to trim or remove dead limbs and trees, as well as any excess branches. 100 mph winds during a thunderstorm can cause serious destruction and threaten your safety.

Install Protections

Storm windows and shutters can be a solid investment to protect your home, property, and family from storm damage.

Have a Plan

Know the safest place to go in your home for various types of storms, and make a plan to get everyone there safely. Be sure each person living with you knows the plan!

When a Storm is Imminent

If a summer storm is on its way, secure or bring inside all outside patio furniture and equipment: trampolines, grills, and anything else that could blow away.

Inside your home, pick up and secure valuables and things like rugs that could experience significant damage. Keep items off of floors and move away from windows. 

Listen for sirens and warnings, and take alarms and news alerts seriously. When you get the official notice to shelter in place or evacuate, listen the first time and don’t delay!

Be Prepared with AFI Insurance Products

AFI offers insurance policies for homeowners and renters, as well as flood insurance and coverage for valuable items.

We might not be able to stop the rain, the hail, or the wind, but we can do the next best thing. With AFI insurance, you’ll know that you’ve done your very best to protect your home and belongings, your family, and your future.