When autumn arrives on the West Coast, it often brings more than just crisp mornings and colourful leaves. For many homeowners, fall also signals the beginning of storm season – heavy rains, high winds, and the occasional flooding event. Preparing your home now can save you from stress, damage, and unexpected expenses later.
At SeaFirst Insurance, we know how quickly the weather can change and how important it is to have the right protection in place. That’s why we encourage every homeowner to combine seasonal home maintenance with a review of their insurance coverage.
Why a Home Insurance Review Matters
Storms can be unpredictable. One windy night could mean missing shingles or a fallen tree; one heavy downpour could test your drainage system and leave you dealing with water damage. The question is: are you covered?
A quick insurance review can give you peace of mind before the weather turns. Coverage to double-check includes:
- Wind Damage – Make sure your policy covers roof repairs, siding damage, and fallen trees.
- Water & Flood Protection – Not all policies are the same. Ask about coverage for flooding, perimeter drain failures, or sewer backup.
- Additional Living Expenses – If your home becomes unlivable due to storm damage, this coverage helps pay for temporary accommodation.
Want to see what’s included in your current policy or explore options for added protection? Visit our Home Owner insurance page or connect with one of our advisors.
Preparing Your Home for Rainy Season
Insurance is your safety net, but prevention is your first line of defense. Taking time to get your home storm-ready can reduce the risk of costly damage. Here are some tasks worth adding to your fall checklist:
- Clean Your Gutters and Downspouts – Remove leaves, pine needles, and debris to prevent water backup that can lead to leaks.
- Clear Perimeter Drains – Ensure drains around your foundation are flowing properly so water doesn’t pool near your home.
- Check Your Roof – Look for missing or loose shingles, cracked flashing, or areas where water could seep in.
- Trim Overhanging Trees and Branches – Strong winds can bring down limbs that damage siding, fences, or power lines.
- Inspect Sump Pumps and Backup Systems – Test your sump pump to make sure it’s working and consider a battery backup in case of power outages.
- Secure Outdoor Furniture and Decorations – Patio sets, umbrellas, or even planters can become hazardous in high winds.
Community First, Always
At SeaFirst Insurance, we’re more than just your insurance provider, we’re your neighbours. We’ve been helping families and businesses on Vancouver Island protect what matters most for decades. Preparing for storm season is just one of the many ways we can support you.
If you’re unsure whether your current homeowners’ insurance provides enough protection, reach out to us for a free review. Our team will walk you through your options and help tailor a policy to fit your needs.
Don’t Wait Until the Storm Hits
Fall storms can be inconvenient, but they don’t have to catch you off guard. With a little preparation and the right insurance coverage, you can face the season with confidence.
SeaFirst Insurance is here to help you weather whatever comes your way.
Get prepared. Stay protected. Connect with us today.
