Lisa Courtney's Blog
When you narrow the numbers of houses that you're serious about buying, weather is probably the last thing that you think about. But, depending on where you buy a house, you could be inviting very hard weather conditions into your life. And you don't have to move to a coastal area to experience harsh weather.
Storms do more than damage your house
You don't have to live in Florida or along the New Jersey shore for serious weather storms like hurricanes and flooding to change the way that you and your family live. If you've ever had to vacate your house due to the threat of a weather storm, you know how quickly a storm can alter your best laid out plans.
Let the frequency of storms be high, occurring once a quarter or more, and you could be forced to store protective plywood, plastic window coverings, salt and shovels in your basement or garage. It might not take long to get into a cycle of covering windows and doors only to remove plastic and wood coverings a few days later.
This cycle alters your plans. It can also cause you to fear high winds and hard rains. For example, you could start to fear that a dark sky signals that a storm is going to rip through your house even if weather forecasters say that the area will experience no more than a heavy rain.
Understand what you get into when you buy a house in a stormy area
Some people have developed weather fears to the point where they order everyone in their house to turn off all electric appliances as soon as the sky grows dark during the daytime. These people may have experienced an electrical shock during a weather storm and convinced themselves that someone will always get electrocuted during a storm if appliances are left on.
Those are just a few fears that you could develop if you buy a house in an area that has a lot of damaging weather storms. As previously mentioned, there are also costs, including storm preparation and storm clean up and repair costs, associated with living in a house that's located in a high storm area.
Avoiding these costs and clean up headaches can be as simple as holding a conversation with your realtor. Make sure that you know which type of homeowner's insurance coverage you should get for the area that you buy a house in.
Homeowners insurance to deal with severe weather storms
Theft, fire and tornado damage might be included in general insurance packages. However, you may have to request coverage for earthquakes, floods, hurricanes, mudslides and hail damage. After you get the necessary homeowner's insurance coverage, you need to know how to travel in storms.
For example, you should know that it's not advisable to drive onto flooded streets, as even a slight dip in the road could cause water to rise, potentially trapping you in your vehicle. The fact that bridges freeze before flat roadways is another important point to remember.
Understand all costs that you could incur if you buy a house in an area that experiences tornadoes, earthquakes and excessive rain and flooding. Also, familiarize yourself with the amount of work that you will have to do to remove weather elements like snow and ice, excessive mud from mud slides and hail.
Allergies are another weather storm related condition that you need to educate yourself about. Buy a house in a heavily wooded area and your allergies could cause you to feel groggy, tired and listless for days. The same goes for houses located in areas where weather invites insects like mosquitoes and fruit flies.