Protecting Your Property for the Summer Ahead

The summer of 2019/2020 brought with it some of the worst bushfires and hailstorms on record. IAG’s latest ‘Severe Weather in a Changing Climate’ report predicts bushfire risk will increase nationally, while tropical cyclones will move further inland and the east coast of Australia will be particularly vulnerable to severe flash and river flooding. Therefore property owners need to prioritise risk mitigation and take steps to reduce the physical risks posed by these occurrences. Following these very basic steps can assist greatly in preventing or minimising some these events.

Basic Home / Apartment Maintenance is Vital

Stormwater ingress is more likely to impact you during heavy rain events if your gutters and downpipes are blocked with leaves and debris. Ensuring these are both free from obstruction will limit stormwater build up, back fill and flooding through your roof cavity. If you live in a leafy suburb, gutter guards are a great option to consider. Further to this, check your roof and windows are in good condition on a regular basis. Your home’s roof and windows are the only barrier between you and the elements. Small holes, cracks and deterioration in roofing or windows can lead to stormwater ingress over time (which can cause mould issues) or during heavy rainfall events.

Attend to Immediate Risks

Whether you live in the suburbs or in regional areas, removing imposing risks near your home or permanent structures (such as sheds and fencing) is important. Here are some considerations:

• Trim back any trees that may be too close or hanging over your home and structures
• Ensure you have adequate clearance around your property (if you are in a bushfire area)
• Remove any debris that may be a fire risk
• Store outdoor furniture and other items (e.g. BBQs) in a safe place, such as an undercover area or pack them away if not in regular use.

Prepare for Flooding

Flash flooding has become a much more common occurrence in metropolitan areas over the last decade. Property owners who may be at risk of flash flooding can prepare for these events by:

• Storing sandbags in their garage for a worst-case scenario situation.
• Ensuring there is adequate drainage and flood protection measures (dual sump pumps, adequate waterproofing) in low lying areas of your home such as basements and cellars
• Checking all contents in low lying areas (e.g. basements and cellars) are stored off the ground.

For further information on how you can adequately protect your property, contact Honan Insurance Group via the contact form below.