Spring weather in Ohio is always unpredictable. The potential for severe weather can result in major property damage and possible financial loss.  It is important to take time now to check with your insurance agent to make certain you have adequate coverage to protect against damage from the spring and summer's volatile weather.

Here are some valuable insurance planning tips from the Ohio Department of Insurance:

       1.  Examine your homeowners and auto policies to determine if you need to update your coverages to reflect any improvements or changes.

       2.  Compile a detailed written inventory of your home and belongings, and supplement that inventory with

video/photos.  Keep the inventory off premises in a

safety deposit box or other secure location.

       3.  Rain, hail, lightning and tornado damage are generally covered in a standard homeowners policy, but now is the time to check with your agent to determine the necessity of flood insurance and/or a policy rider for flooding from sewer backups or sump pump issues.

        4.  Consult with your agent to be sure you have deductibles that are reasonable for your needs.

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