Grinnell Mutual shares how to prepare for storm season
There are many benefits to living in the Midwest — strong family values, a sense of community, neighbors helping neighbors. From April to July, however, the Midwest is known for something else — severe weather. Being prepared continues to be the best way to protect lives and property from the unpredictable, advises Grinnell Mutual Reinsurance Company.
Protecting your family
“Purchase a battery-operated weather radio to warn you of inclement weather,” recommended Grinnell Mutual’s Director of Loss Control Larry Gallagher. “Make a plan for your family, too. Everyone needs to know where to go when severe weather hits, what to do if they’re away from home, and where to meet after it’s over.”
Riding in a vehicle is one of the most dangerous places to be if a tornado is approaching.
“If your vehicle is in the path of a tornado, get out and find a secured shelter. If nothing is available, lie flat in a ditch with your hands covering your head,” said Gallagher. “Lying in a ditch is safer than being in a car or a mobile home.”
Protecting your property
Roofs and farm outbuildings are among the first to be damaged in high winds and tornadoes. A do-it-yourself inspection of buildings may reveal weak areas that need attention.
“When you do a physical inspection, look for loose roof materials—shingles, metal panels, etc. These may blow off easily and take additional roof materials along with them. Look for loose siding as well,” said Gallagher. “If you find any trouble spots, hire a reputable contractor to secure these areas.”
Connection points on outbuildings are also important to check, especially in older buildings.
“All structural members of the roof, side walls, and foundation need to be properly tied together. Confirm that your trusses and roof supports haven’t separated from the side walls. This is common in older outbuildings as the ground settles over time,” said Gallagher. “Another place to check is the gusset plates at the top of roof supports. In livestock buildings or sheds used to store fertilizer, these metal plates are prone to deteriorate and are left in a weakened condition. This compromises the strength of your roof and the ability of your building to sustain strong winds.”
Before the siren sounds
With today’s radar systems, there’s often warning that bad weather is on the way. Before it gets too close, it’s a good idea to:
- Park cars in garages or car ports for protection from hail and wind damage.
- Bring all farm and lawn equipment as well as lawn furniture indoors.
- Shut and secure all doors, including outbuildings and garage doors.
- Shut and secure windows.
Most homeowners and farm insurance policies provide coverage for wind damage. To learn more, contact your local insurance agent.
About Grinnell Mutual
Grinnell Mutual Reinsurance Company, in business since 1909, provides reinsurance for farm mutual insurance companies and property and casualty insurance products for homeowners, farmowners and businessowners through nearly 1,600 independent agents in 12 Midwestern states. Grinnell Mutual is the largest primary reinsurer of farm mutual companies in North America.