Preparing Commercial Properties for Late-Summer Severe Weather

August and early fall bring some of the year's most intense weather events. From severe thunderstorms in the Midwest to tropical storms along the coast, late summer weather can cause costly damage and business disruptions.

For commercial property owners, preparation is key to protecting both your building and your bottom line.

1. Inspect and Maintain the Roof and Building Exterior

Your roof is the first line of defense against wind and rain. Loose shingles, cracked flashing, and clogged gutters can all lead to water intrusion.

• Schedule a professional inspection before storm season peaks.
• Clear debris from gutters and downspouts to prevent overflow.
• Check seals around windows and doors to stop water leaks.

2. Secure Outdoor Property

Signage, furniture, and equipment can become dangerous projectiles in high winds.

• Anchor or store loose items indoors.
• Trim trees and remove weak branches near the building.
• Ensure fencing and lighting poles are properly stabilized.

3. Protect Critical Equipment

Electrical systems, HVAC units, and IT equipment are vulnerable to flooding and power surges.

• Elevate essential equipment where possible.
• Use surge protection and backup power sources.
• Review your disaster recovery plan to ensure data is backed up securely off site.

4. Review Your Insurance Coverage

Severe weather events can quickly reveal gaps in coverage.

• Check your policy's wind, hail, and flood coverage limits.
• Confirm your deductible and understand how it applies in the event of a storm.
• Ask about Business Interruption coverage to protect income if you must close for repairs.

5. Create a Communication and Response Plan

Quick action after a storm can minimize damage and speed up recovery.

• Assign responsibilities for contacting employees, vendors, and insurance representatives.
• Keep a list of emergency contacts and restoration companies or contractors.
• Document damage with photos or video as soon as it is safe to do so.

A proactive approach to late-summer severe weather can help protect your property, reduce downtime, and control costs.

Concklin Insurance Agency can help you evaluate your coverage, identify potential gaps, and create a risk management plan tailored to your business. Contact us before the next storm hits to ensure you're prepared.