Severe storms can cause flash flooding, unroof buildings and damage trees or power lines, resulting in widespread damage. In fact, based on average insurance costs, severe storms are responsible for more damage than tropical cyclones, earthquakes, floods or bushfires.
Some proactive maintenance can help reduce the risk of your investment property suffering storm damage.
Secure the roof and ceiling
Get the roof checked for leaks and other damage. If any cracked, broken or displaced tiles are found, have them fixed by a licensed professional. Remove any built-up dirt. Inside, inspect the ceilings for signs of leaks.
Clear the drains
Gutters, pipes and drains should be inspected and cleaned to free up any debris clogging the way. Check for rust, holes, blockages, other damage and that gutters and downpipes are securely attached.
Trim trees and branches
Employ a skilled tradie to prune any overhanging trees and branches on your property so they can’t fall on the home or power lines. If there are trees or powerlines that may pose a threat to your property, contact your council or energy company to check them.
Check your outdoor areas
Make sure any exterior structures that may be subject to storm damage are sound, such as patios and pergolas, outdoor steps and handrails, sheds, fences and decks. Ensure structures that could take flight in heavy winds, like pergolas, fences, roofing iron and sheds, are soundly anchored.
Review your insurance policy
Ensure your policy is up-to-date and the level of cover, including the sums insured, are sufficient. Check if the insurance policy provides cover for the types of events specific to the location of your rental, these may include flash flood, storm water runoff, associated landslip and damage to properties by trees.
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