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PROTECTING YOUR HOME FROM RAIN DAMAGE

Rain damage is a common occurrence for homeowners and renters alike. Even though it is up to the landlord to pay for any structural damage caused by rain, such as leaking roofs or foundation repairs, as the renter you will still be impacted by this damage. This is why it is important to do a bit of preparation for rain season every year.

Rain Damage Prevention

Rain damage can occur due to a number of reasons, but it most certainly is not a result from adolescent living expenses. Faulty foundation and roofing damage are two of the most common reasons for rain damage. Inspect your rental property at least twice a year to see if there are any cracks. Get on your roof and check that your shingles or shakes are not damaged or missing. Even one missing shingle can cause a leak. If you do notice some minor damage, discuss it with your landlord. It is better to repair minor damage to your roof or foundation now rather than letting it turn into a major problem. However, it is inevitably up to your landlord to fix the problems and contact a roofing repair company to do so.

As a renter what you can do to prevent rain damage and to protect your home is frequent inspections of the property. In addition to checking the condition of the roof and your foundation, you can also check to make sure your gutters are probably cleaned at least twice a year to reduce the drainage blockage which is another common reason for rain damage. Make sure your drainage system is not blocked by overgrown bushes by keeping your yard maintained and your shrubs trimmed all year long.

If you do notice a storm coming or are in for heavy rainfall make sure you keep all the doors and windows shut to avoid rain coming into your home. If your windows and doors let out a draft or have cracks in them, which is quite common for older homes, look for a draft stopper which can prevent water, wind and cold weather from coming in through the cracks. This is an easy way to prevent rain damage. Bring items that you leave outside inside for the time being if you do not want them to get wet or moldy.

Renters Insurance Damage Protection

One of the best ways to protect your financial future from rain damage is to invest in adequate renters insurance. If your home is ever damaged due to heavy rain, ice or snow, then there is a good chance that your contents will be damaged as well. A leaking roof may damage your area rug while ruined foundation may result in mould, mildew and water buildup in the kids’ room. You could be looking at damage to your carpet, furniture, wall decal and anything else lying around. Rain damage will often impact your basement or first floor which is often where people will store items such as bicycles, old toys, boxes of photo albums and other belongings.

Renters insurance will compensate you for the losses of your contents due to rain damage. It can also help you pay for any additional accommodation you may need if the rain damage is so severe you need to vacate the premises for a short while. If your entire roof needs to be replaced, for example, you may need to stay in a hotel for a week while the contractors work on the home. Taking the right precautions and inspecting your home can easily help keep your home protected from rain damage.

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