If a storm rolls through and your tree falls and damages your neighbor’s house, his or her insurance is going to cover the damages. Sometimes, when no house storm sewer exists, it is necessary to create channels (or ditches) alongside the boundary of a property. This allows for the storm water to flow away from your house, and avoids water damage. A frequent complaint that I hear from blog readers is "It never rains/storms/snows at my house, it's like there is a protective shield over it!" Homeowners insurance typically covers wind damage. When it comes to natural disaster, it’s best to minimize your losses in any way possible. Here's why. To keep yourself and your loved ones safe, you should know how to prepare your home and your car before a winter storm hits. You need to have all the preparations ready long before the storm hits. So invest in a flashlight (or several!) Coverage also usually includes damage from hail, wind-driven rain or snow that gets inside the home when a roof or wall is damaged due to wind. If you are in your home and a tornado touches down, experts say where you choose to ride out the storm can be a matter of life and death.1. Each shelter can be completely customized to meet your … to hold onto at all times. 1. Advertisement - Continue Reading Below. When winter storms are at their worst, they sometimes knock out your electricity. If a strong storm roars through, you may find your siding damaged by hail and shingles that the wind ripped off the roof. These are preventive measures that will help you have a storm-proof house. The water then flows to the storm building drain, and finally to storm water disposal system. Fortunately for you, that standard applies both ways. Scrutinize Your Home Exterior. A storm sewer line is dedicated to taking in rain water of all sorts. 1 A flashlight. Getty. Storm-Proof Your Home with These Trouble-Free Tips! That includes anything from your area drain or rooftop, to a publicly owned catch basin in the roadway. It might seem unfair that if it’s your neighbor’s tree that damages your home, you should have to pay. From 2000 to 2010, F/EF2 or stronger tornadoes accounted for only 10% of all U.S. tornadoes, but 92% of all U.S. tornado deaths, according to Dr. Greg Forbes, former severe weather … Somewhere in the storm water system there may be holding tanks, or detention tanks. Negligence and Liability For Wind Damage Here's what you should have in your house and your car to weather the storm with ease — even if you're holed up indoors for a few days. Read these tips on How to Prepare for a Winter Storm provided by the Centers for Disease Control and Prevention (CDC). Winter storms can bring cold temperatures, power failures, loss of communication services, and icy roads. 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