During Hawaii’s rainy season, there may be higher risks of damage to your home and personal property. Whether you are a property owner or renter, here are a few preparedness tips to avoid potential damage and the likelihood of filing an insurance claim:

1. Keep your gutters clean

A clogged gutter can damage your property. Gutters are designed to direct rainwater away from your home and can go a long way in preventing mold. Regularly clean out debris from gutters to ensure they work properly.

2. Properly seal windows and doors

Don’t let water get in through your doors and windows to spoil a cozy rainy day. Properly sealed windows and doors prevent water damage from destroying your home’s interior and personal property.

3. Inspect your roof

Check your roof for any signs of damage before the rainy season strikes. Making the necessary repairs before the next storm will keep you, your loved ones, and your property safe.

4. Trim trees and shrubbery

Heavy rainstorms often accompany strong winds. Trim trees and other plants around your property to prevent branches from falling on the roof or shattering a window.

5. Adequate preparation

A defensive approach means being proactive. Make sure to keep personal records such as your social security card, birth certificate, and insurance policy papers in a portable safe or plastic bag to protect them during flooding. You can also keep digital copies of important documents on your computer’s hard drive or securely in the cloud.