El Niño storms can bring heavy rain, strong winds, and severe flooding to California. While the extra rain might be good for drought relief, it can also mean water damage, mudslides, and costly repairs if you’re unprepared. Luckily, you can prepare for these risks and keep your home safe. Here are some steps you can take so you stay ready for whatever El Niño throws your way.
Check Your Insurance Policy
Reviewing your California car insurance and home insurance is a crucial step in preparing for El Niño storms. Start by ensuring your homeowners policy covers storm-related damages like wind and water intrusion. For flood risks, consider supplemental flood insurance through FEMA’s National Flood Insurance Program (NFIP), as standard policies often exclude coverage for rising water.
For your vehicle, check that your auto insurance includes comprehensive coverage to protect against non-collision damages like flooding, falling branches, or hail. If you’re unsure about your current plan, compare California car insurance quotes to find a policy that meets your needs. Many providers offer cheap car insurance in California with comprehensive coverage, especially when bundled with a home policy.
Inspect and Repair Your Roof
Your roof works hard to protect your home from heavy rain and wind, so it’s important to make sure it’s up to the task. Take a good look at your roof for any loose, missing, or damaged shingles that could let water seep inside. Also, don’t forget to check around chimneys, skylights, and vents, as these spots are common trouble areas for leaks.
If you notice anything that seems off, like sagging sections or pooling water, it’s a good idea to call in a professional roofer. You may also consider installing a waterproof membrane under your roof tiles for extra protection. Even small repairs now can save you from big headaches later, like water damage or mold.
Clear Gutters and Downspouts
Gutters and downspouts help direct rainwater away from your home, especially during the heavy rains El Niño can bring. But if they’re clogged with leaves and debris, water can overflow and cause serious problems like leaks, flooding, or foundation damage.
Take some time to clean out your gutters by removing any buildup of leaves or twigs. Use a garden hose to flush out the remaining dirt and ensure the water flows smoothly through the downspouts. While you’re at it, check for any leaks or cracks that might need fixing.
Make sure the water is directed away from your home — at least 10 feet — so it doesn’t pool around your foundation. If you’re tired of constantly cleaning gutters, consider installing guards to keep them clear longer.
Seal Windows and Doors
Windows and doors are often the weakest points in your home when it comes to keeping out heavy rain and strong winds during an El Niño storm. Even small gaps or cracks can let water seep in, causing damage to walls, floors, and even your belongings.
Inspect all your windows and doors for any signs of drafts, cracks, or worn-out weather stripping. Replace old or damaged seals with new weatherproof materials to keep rain out and improve energy efficiency. For larger gaps, use caulk or foam sealant to ensure a watertight barrier.
If you live in an area prone to high winds, consider installing storm-resistant windows or adding shutters for extra protection. Sliding glass doors can also use some extra attention, so make sure the bottom seal is tight to keep water out.
Safeguard Against Flooding
Flooding can cause serious damage during El Niño storms, but taking a few precautions now can help you stay ahead of potential issues. First, check areas around your home where water tends to pool or collect, such as near doors, windows, or the garage. Use sandbags or temporary flood barriers to block water from entering these vulnerable spots.
Inside your home, prioritize moving valuables like electronics, important documents, and sentimental items to higher levels, or store them in waterproof bins. If your home has a basement or crawl space, installing a sump pump is a smart way to prevent flooding and water damage.
Trim Trees and Remove Debris
Strong winds during El Niño storms can turn tree branches and yard debris into dangerous projectiles, so you’ll want to prepare your outdoor spaces. Start by taking a good look at the trees around your home. Are there any dead or damaged branches? Are some limbs hanging a little too close to your roof, windows, or power lines? Trimming these now can save you from major damage later.
Next, rake up leaves, pick up twigs, and get rid of anything that could clog your gutters or be tossed around by the wind. You should also consider mulching or bagging leaves to keep them from piling up and creating blockages. If you have outdoor furniture, either tie it down securely or bring it inside.
Prepare an Emergency Kit
You never know what damage an El Niño storm can do, so having an emergency kit ready is a smart way to stay prepared. Here are some essential items you should include in your emergency kit:
- Water: At least one gallon per person per day (for three days).
- Non-perishable food: Enough for at least three days, plus a manual can opener.
- Medications: Include any necessary prescriptions and a basic first-aid kit.
- Flashlights and batteries: Keep multiple flashlights and spare batteries on hand.
- Radio: A battery-powered or hand-crank radio for weather updates and alerts.
- Clothing and blankets: Pack extras to stay warm and dry.
- Toiletries: Include items like toothbrushes, toothpaste, soap, and sanitary supplies.
- Special supplies: Items for infants, elderly family members, or pets.
- Insurance and ID: Store copies of insurance policies, identification, and medical records in a waterproof container.
- Portable phone chargers: Keep power banks fully charged in case of power outages.
Elevate Appliances
Appliances like washers, dryers, and water heaters are particularly vulnerable to water damage, especially if they’re located in basements, garages, or other low-lying areas of your home.
To safeguard these items, place them on sturdy pedestals, blocks, or even concrete risers to lift them several inches off the ground. For heavier appliances, consider hiring professionals to ensure they’re safely elevated without damaging connections or vents.
Getting your home ready for El Niño storms might feel like a big task, but a little preparation now can save you from major stress later.
