How to Prep Your Home for Wet Weather

By the Mercury Team

When the rainy season hits, it can bring more than just gray skies. It can mean roof leaks, foundation damage, and costly repairs. The best way to stay ahead of the weather is to prepare now, before the storms arrive. When you do this, you can protect your home, prevent expensive water damage, and stay comfortable no matter how hard it pours.

In this post, we’ll walk you through a step-by-step checklist for securing your home and show you exactly how to survive the rainy season like a pro.

Why Preparing for the Rainy Season Matters

The rainy season is getting longer and wetter in many parts of the country. By mid-July 2025, NBC News reported more than 3,000 flash flood warnings nationwide, the most ever recorded. Additionally, flash flood reports were up 70% compared to the 10-year average, a clear sign that heavy rain and severe weather are becoming more common each year.

The damage this severe weather brings (e.g., roof leaks, flooded basements, and foundation issues) can cost homeowners thousands in repairs and lead to long-term structural problems if left unchecked.

“Water damage is the second most common type of homeowners insurance claim,” says Bonnie Lee, Vice President of Homeowner Claims for Mercury Insurance. “It’s important for homeowners to do what they can to mitigate damage by readying their property ahead of the storms.”

Getting ahead of the weather can help you:

• Avoid water damage and mold that can lead to long-term structural issues.
• Save on repair costs by addressing small issues before they become major problems.
• Reduce insurance risks and premiums with regular maintenance and documentation.

Learn more about what’s covered during storm season in our guide to homeowners insurance and storm damage.

Step 1: Inspect and Maintain Your Roof

When storm clouds roll in, your roof takes the hit first. Small issues like loose shingles or clogged gutters can quickly turn into major leaks once heavy rain starts to fall.

Here are some home maintenance tips to make sure your roof does its job:

• Inspect shingles and flashing: Look for missing, cracked, or curling shingles that could allow water to get underneath. Pay special attention around chimneys, vents, and skylights where leaks often start.
• Check for sagging or soft spots: These can be signs of trapped moisture or weakened areas that need professional attention.
• Trim nearby tree branches: Overhanging limbs can scrape shingles or drop leaves and twigs that clog gutters.
• Schedule a professional inspection if needed: If your roof is more than 10 years old or you notice damage, having a roofing professional take a look before storm season can catch small problems before they grow.

Step 2: Seal and Secure Doors and Windows

Doors and windows are also vulnerable to leaks due to small openings that allow rainwater to seep in, leading to water damage and mold growth.

Before the next downpour, take a walk around your home and check the seals on every window and door. Here’s what to do:

• Check the caulk around frames: Look for spots where it’s cracked, peeling, or missing. Scrape away the old material and apply a fresh bead of waterproof silicone or polyurethane caulk.
• Replace worn weatherstripping: If you feel a draft or see light coming through, it’s time to replace it.
• Inspect thresholds and sliding doors: Make sure there’s no buildup of dirt or debris that could block drainage or let water pool during a storm.
• Look for signs of damage: Warped wood, soft spots, or water stains can signal leaks that need to be repaired before they get worse.
• Add extra protection if needed: If you live in a storm-prone area, consider adding storm shutters or a protective window film for extra peace of mind.

Step 3: Safeguard Your Foundation and Yard

When the ground around your house isn’t graded properly (or when drains and gutters get clogged), rainwater can pool near your foundation instead of flowing away. Over time, that standing water can cause cracks, leaks, and structural damage.

Here are a few ways you can direct water away from your house:

• Check your yard’s slope: Soil should slope away from your home by about six inches over ten feet so water doesn’t collect near the foundation.
• Inspect gutters and downspouts: Clear out debris and make sure water is directed at least three to four feet away from your foundation. Add extensions if needed.
• Test your sump pump: Make sure it’s working properly and draining water away from your home, especially if you have a basement.
• Keep drains clear: Remove leaves and dirt from yard drains, swales, or other channels that carry water off your property.
• Use landscaping to your advantage: Consider planting native shrubs or ground cover to help absorb runoff. Avoid mulch or materials that can wash away easily in heavy rain.

Step 4: Protect Interior and Valuables

Protecting your interior is just as important as securing the exterior. Even if you’ve sealed your home and directed water away from your foundation, there’s always a chance that moisture can find its way inside.

Here’s what to do:

• Move valuables off the floor: Store electronics, furniture, and boxes a few inches above the basement or ground level. Plastic or metal shelving works great for keeping items dry.
• Use waterproof containers: Keep important documents, photos, and keepsakes in sealed, waterproof bins or heavy-duty plastic bags.
• Protect electronics and appliances: Unplug items if you expect severe weather, and use surge protectors to prevent damage from lightning or power outages.
• Add leak or flood sensors: Leak detection technology can alert you the moment water is detected in basements, laundry rooms, or under sinks, giving you time to act before it becomes a bigger problem.
• Conduct a home safety audit: A full home safety audit can help identify weak spots in your home, from outdated wiring to unsealed openings where water might enter.
• Keep cleanup supplies handy: Towels, a wet/dry vacuum, and a dehumidifier can help you quickly manage minor leaks or dampness.

Step 5: Review Your Homeowners Insurance Coverage

Before severe weather strikes, review your homeowners insurance policy to understand your coverage. Does homeowners insurance cover storm damage? Insurance typically covers damage from sudden pipe bursts or roof leaks. However, many standard policies don’t cover damage from flooding, so you may need to purchase separate flood insurance, especially if you live in a high-risk area.

At Mercury, we can help you identify any gaps in your coverage and find affordable options to ensure you’re fully protected. Talk to your local agent today and make sure your home, belongings, and finances are protected before the next big storm hits.

Bonus Tips to Stay Safe During Severe Weather

If you’ve done everything to prepare your home, you still have to make sure your family is ready, too.

Here are a few extra tips on how to prepare for severe weather:

• Emergency kits: Keep an emergency kit stocked with essentials, like flashlights, batteries, a first-aid kit, non-perishable food, and water.
• Evacuation plan: Create and practice a family evacuation plan so everyone knows what to do and where to go in an emergency.
• Weather alerts: Sign up for local weather alerts to stay informed about approaching storms and follow instructions from emergency officials.

Stay Protected with the Right Coverage

Your home is likely the biggest investment you’ll ever make, and it deserves the best protection.

Mercury Insurance offers affordable homeowners insurance to help you recover faster when the unexpected happens. Whether it’s a leaky roof, water damage, or storm-related repairs, we’re here to help you.

Contact us today for a fast, free quote!