5 Common Causes Of Property Damage In The Midwest

Are you prepared for the worst?

Leaky roofs, burst pipes and extreme weather can strike at any moment. Are you prepared for the worst?

By learning how to strategically prepare for the possibility of property damage you can take the first critical step to protect your most valuable asset - your home. Here are five ways you can better protect your home from falling victim to the most common causes of property damage in the Midwest.


  • Before the storm hits, move your vehicles inside your garage
  • Move your patio and lawn furniture indoors
  • Utilize impact-resistant roofing material
  • Keep your trees trimmed
  • Close the blinds to keep shattered and blowing glass out
  • Avoid electrocution by staying away from electrical outlets


  • Learn the difference between a tornado watch and a tornado warning
  • Designate the safest place for you and your family to take shelter when a tornado warning is issued
  • Create a survival kit including a flashlight, batteries, a weather radio, food and a first aid kit
  • Before a storm hits, move your vehicles inside your garage or away from trees
  • Move your outdoor plants and lawn furniture indoors

Non-Weather Water

  • Learn where your home’s main water shut-off valve is located so you can easily access it
  • Shut off your water supply if you are going to be on vacation for an extended period of time
  • Consider installing water sensors and scheduling regular system maintenance
  • Check pipes for cracks and leaks and repair or replace them immediately

Weather-Related Water

  • Prevent water damage to your basement by keeping your sump pump in prime condition
  • Inspect your foundation, roof, doors and windows often and reseal as necessary
  • Clean out clogged gutters, drains and downspouts


  • Get to know your neighbors and encourage them to watch out for suspicious activity
  • Install motion-sensitive lighting in low light areas or automatic timers that can be controlled remotely
  • Hold your mail and newspaper delivery if you are going to be on vacation for an extended period of time
  • Establish a routine to lock all doors and windows every time you leave your house

For the best protection, turn to the experts at Two Rivers Insurance Services. Not only will our team of professionals create a customized policy to protect you and your family against costly and unexpected claims, you’ll be prepared for the future with a policy created just for you. Learn more about our custom Homeowners Insurance policies here or contact a Two Rivers Insurance Services consultant below.