As spring approaches, it’s time to prepare our homes and businesses for the severe weather that often accompanies the season. The National Center for Environmental Information states that severe storms caused a staggering $182.7 billion in damages across the United States in 2024 alone. With weather patterns becoming increasingly unpredictable, being proactive can mean the difference between minor repairs and costly devastation.
The Insurance Institute for Business & Home Safety (IBHS) has developed its Thunderstorm Ready guides to help property owners take meaningful steps to protect their buildings before storms hit. These guides are rooted in scientific research, offering practical, easy-to-follow advice that can significantly reduce storm-related damage.
By focusing on key areas of vulnerability, IBHS equips homeowners and business owners with knowledge and actions that make a real difference when severe weather strikes.
Understanding the Risks
Severe thunderstorms can bring high winds, heavy rain, hail, and even tornadoes, all of which pose significant threats to buildings. A compromised roof, for instance, can lead to extensive water intrusion, resulting in costly repairs. IBHS research indicates that for every inch of rain on an exposed roof deck, approximately nine bathtubs’ worth of water can enter the home. However, by sealing the seams of your roof deck, you can reduce water intrusion by up to 95%.
Securing Your Roof Against High Winds
One of the most common causes of damage during thunderstorms is high wind. Strong gusts can tear shingles from roofs, send tree limbs crashing into buildings, and even shatter windows. According to IBHS research, reinforcing your roof is one of the most effective ways to protect your home. Simple steps, such as using roofing nails instead of staples or sealing roof decking, can make a big impact. Regularly inspecting your roof for missing shingles and ensuring they are properly secured can also prevent wind from gaining a foothold and peeling away larger sections.
Defending Against Hail Damage
Hail is another destructive force that many homeowners underestimate until it’s too late. While small hailstones may seem harmless, larger ones can dent metal surfaces, crack siding, and shatter windows. IBHS recommends installing impact-resistant shingles and ensuring that skylights are made of durable, shatter-resistant materials. Businesses with large glass storefronts should consider protective window film, which can help reduce the risk of shattered glass during a storm.
Managing Water and Flooding Risks
Heavy rainfall often accompanies spring thunderstorms, leading to flooding and water damage. Ensuring that gutters and downspouts are clear of debris can help direct water away from a building’s foundation. Poor drainage can cause water to pool around a home or business, increasing the risk of leaks and structural issues. Grading the landscape so that water flows away from the property, rather than toward it, is a simple but effective strategy.
Creating a Severe Weather Plan
Beyond structural reinforcements, IBHS also encourages homeowners and business owners to have a severe weather plan in place. This includes securing outdoor furniture, knowing where to seek shelter, and keeping an emergency kit stocked with essentials like flashlights, batteries, and non-perishable food.
By taking these proactive steps before storm season begins, property owners can reduce damage, lower repair costs, and increase the safety of those inside. The IBHS Thunderstorm Ready guides serve as a valuable resource for anyone looking to better protect their home or business from the unpredictable forces of spring storms.
