Stay Safe with Chalmers: Navigating Severe Thunderstorms
Safety & Prevention | Weather
By Nina C.
August 17, 2023 6 minute read

Severe thunderstorms can strike with little warning, unleashing powerful winds, torrential rain, hail, and even tornadoes. At Chalmers Insurance, your safety is our top priority, and we're here to help you navigate through these turbulent times.

Understanding the Risks

From lightning to flash floods, the dangers of thunderstorms are not to be taken lightly. Knowing the types of storms and recognizing the weather conditions that favor them, such as warmth and humidity, can be lifesaving. For example, dry thunderstorms might not bring rain, but they can ignite wildfires.

Know the Warning Signs

  • Dark, towering clouds
  • Frequent thunder and lightning
  • Strong, gusty winds
  • Hail and heavy rain

Preparing: Before the Storm Strikes

  1. Prepare an Emergency Kit: Keep essentials like a NOAA Weather Radio, flashlights, batteries, water, non-perishable food, and first-aid supplies in a designated place.
  2. Check Your Property: Look for potential hazards like dead trees or branches that could become flying debris.
  3. Secure Outdoor Belongings: Bring in outdoor furniture and other items that could become projectiles; trim or remove dangerous trees and branches.
  4. Create a Safety Plan with Your Family: Determine safe locations in your home, make sure everyone knows the plan, and practice regular drills.
  5. Stay Informed: Monitor local weather channels or apps, heed warnings from the National Weather Service, and follow local authorities' instructions.

Thunderstorm Watch vs. Thunderstorm Warning

  • Watch: Conditions are right for a storm, so review plans and stay alert.
  • Warning: A storm is happening or imminent. Act immediately and seek shelter.

During: Weathering the Storm

Caught outside? Find shelter quickly and avoid conductors like electronics, plumbing, and metal. Avoid open fields and tall trees. If driving, exit safely and wait in your vehicle, avoiding metal surfaces.

After: Assessing and Recovering

Act swiftly if lightning strikes a person, navigate the aftermath carefully, and avoid hazards like flooded roads and downed power lines. Keep an eye on those around you and your pets.

Comprehensive Insurance Coverage with Chalmers

At Chalmers Insurance, we offer specialized coverage to protect against storm-related damages. We'll tailor a policy that meets your needs and budget, ensuring protection for your home, car, and personal belongings. Thunderstorms can catch us off guard, but your insurance shouldn't. 

Have questions? We understand that thunderstorms and insurance coverage can raise many concerns. To make things a bit easier for you, we've compiled answers to some of the most frequently asked questions on this topic.

  1. What Types of Damages from Thunderstorms are Covered by My Insurance?
    • Answer: This could vary based on the policy, but typically homeowners insurance may cover damages caused by wind, hail, and lightning. It's essential to review your policy or consult with your insurance agent for specific details.
  2. Is Flood Damage from Thunderstorms Covered?
    • Answer: Flood damage is generally not covered under standard homeowners insurance and requires a separate flood insurance policy. Speak with a Chalmers Insurance representative to explore your options.
  3. What Should I Do If My Property Is Damaged During a Thunderstorm?
    • Answer: Notify your insurance company as soon as possible, take photographs of the damages, make temporary repairs if necessary, and keep all receipts related to repairs or replacements.
  4. How Soon After a Storm Can I File a Claim?
    • Answer: You should file a claim as soon as possible after the damage occurs. Timely reporting can expedite the claims process.
  5. Will My Car Be Covered if Damaged During a Thunderstorm?
    • Answer: If you have comprehensive coverage on your auto insurance policy, it may cover damages from things like hail or falling branches. Check your policy details or consult with us for specifics.
  6. What Is the 30/30 Lightning Safety Rule?
    • Answer: The 30/30 rule advises seeking shelter if the time between a lightning flash and the following thunder is 30 seconds or less and to wait at least 30 minutes after the last thunderclap before leaving shelter.
  7. How Can I Ensure That My Family Is Prepared for a Thunderstorm?
    • Answer: Preparing an emergency kit, creating a family safety plan, and staying informed through weather alerts and local authorities are essential steps. More details can be found in our blog post above.
  8. Are Downed Trees or Fallen Branches Covered by My Insurance?
    • Answer: Coverage for damage from fallen trees or branches may depend on the circumstances and your policy terms. Generally, if a healthy tree falls due to a covered peril like wind, the damage may be covered.
  9. What If I'm Renting? How Does Insurance Work for Me During a Thunderstorm?
    • Answer: Renters insurance can cover your personal belongings from damage caused by covered perils like thunderstorms. Talk to us about crafting a renters insurance policy tailored to your needs.
  10. Where Can I Get More Information on Storm Safety and Insurance Coverage?
    • Answer: Contact Chalmers Insurance today or explore our other blog posts and resources online for more information on storm safety, preparation, and insurance solutions.

Contact us today to discuss your insurance needs or for more tips on storm safety. With Chalmers, you can face even the most severe thunderstorms with confidence, knowing that we've got you covered.

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