Spring Home Maintenance Tips Your Insurance Company Wishes You Knew
As winter fades and warmer weather arrives, spring is the perfect time to inspect your home for damage and get ahead of potential insurance claims. At Kelly Insurance, we often see preventable issues turn into costly repairs simply because small warning signs were overlooked.
Here’s how to prepare your home for spring, from an insurance perspective.
Inspect Your Roof & Gutters
Winter snow, ice, and wind can loosen shingles and clog gutters. Overflowing gutters can cause water damage to siding and foundations, something many homeowner’s policies may not fully cover if it’s due to neglect.
Tip: Clean gutters, check for missing shingles, and look for sagging areas.
Check Your Sump Pump
Spring rain brings basement flooding claims. A failed sump pump can mean thousands in water damage.
Important: Standard homeowners insurance does not automatically cover sump pump failure or sewer backup. You may need an endorsement.
Look for Exterior Cracks
Walk around your home and check the foundation, driveway, and walkways. Small cracks can expand quickly with spring moisture.
Trim Trees & Overhanging Branches
Spring storms can turn weak branches into serious property damage.
Review Your Coverage
Spring is also a great time to review:
- Have you renovated recently?
- Added a deck?
- Installed a pool?
- Purchased high-value items?
If your coverage hasn’t been updated, you may be underinsured.
The Bottom Line
Spring maintenance isn’t just about curb appeal, it’s about protecting your investment and preventing avoidable claims.
Kelly Insurance is here to help you review your policy and make sure your home is properly protected for the season ahead.
