Summer brings plenty of reasons for tenants to spend more time outdoors. It also brings some of the most severe weather of the year. Thunderstorms can develop quickly, bringing damaging winds, large hail, frequent lightning strikes, and heavy rain with little warning.

For owners of multifamily housing properties, severe weather isn’t just an inconvenience. A single storm can damage roofs, siding, windows, HVAC equipment, vehicles, landscaping, and common areas. The good news is that preparation, maintenance, and a clear response plan can reduce many storm-related losses. Before storm clouds start building this summer, consider these steps to help protect your property and your residents.

Inspect Roofs Before Storms Find Their Weak Spots

Your roof is often the first line of defense against severe weather. Small maintenance issues that go unnoticed during spring can quickly become major problems when high winds or hail arrive.

As part of your summer property inspection:

• Look for loose, damaged, or missing shingles.
• Check flashing around vents, chimneys, and roof penetrations.
• Inspect gutters and downspouts for damage or blockages.
• Address minor repairs before they become larger storm-related claims.

A proactive inspection can help identify vulnerabilities before severe weather exploits them.

Prepare for High Winds and Flying Debris

Strong thunderstorm winds can turn ordinary objects into projectiles. Patio furniture, maintenance equipment, tree limbs, and unsecured outdoor items can all cause property damage during a storm. Consider taking these actions:

• Trim dead or weakened tree branches.
• Remove damaged limbs hanging over buildings, sidewalks, or parking areas.
• Secure outdoor furniture in common areas.
• Review procedures for storing loose maintenance materials and equipment.

Reducing potential debris helps protect buildings, vehicles, and residents when storms move through.

Don’t Underestimate the Impact of Hail

Hail can cause significant damage even during relatively short storms. Roofing materials, siding, windows, gutters, and outdoor mechanical equipment are particularly vulnerable. After a hail event:

• Conduct a prompt property inspection.
• Document any visible damage with photos.
• Check roofs for dents, cracks, or missing materials.
• Inspect HVAC equipment and exterior units.
• Review parking areas for vehicle damage reports.

Early identification of damage can help prevent secondary issues and simplify the claims process if repairs are needed.

Protect Electrical Systems From Lightning Risks

Lightning doesn’t need to strike a building directly to cause problems. Power surges from nearby strikes can damage electrical systems, security equipment, internet infrastructure, and other essential property technology. To reduce risk:

• Inspect surge protection systems where applicable.
• Confirm that emergency lighting systems are functioning properly.
• Test backup power equipment according to manufacturer recommendations.
• Ensure critical building systems are regularly maintained.

While lightning can’t be prevented, preparation can help limit the disruption it causes.

Strengthen Tenant Communication Before Severe Weather Arrives

Storm preparedness isn’t only about the physical property. Clear communication can help residents stay informed and respond appropriately when severe weather threatens. Consider sharing:

• Emergency contact information
• Procedures for reporting storm damage
• Guidance on securing balcony furniture and personal belongings
• Information about local weather alerts and emergency notifications
• Evacuation procedures and nearby shelter locations

When tenants know what to expect, property managers can often respond more efficiently after a storm.

Review Your Coverages Before Peak Storm Season

One of the best times to review your insurance coverages is before you need them. Summer storm season is a good reminder to discuss potential exposures with your agent and confirm your protection aligns with your property’s needs.

Wind, hail, and other severe weather events can create significant repair costs. Understanding your coverages ahead of time can help eliminate surprises and support a smoother recovery process if damage occurs.

A Little Preparation Can Weather a Big Storm

Summer storms are inevitable. Costly damage doesn’t have to be.

By inspecting vulnerable areas, addressing maintenance concerns, and preparing residents before severe weather strikes, multifamily housing property owners can help reduce risk and protect their investment throughout the season.

If you’re evaluating storm-related exposures this summer, your Millers Mutual agent can help you review your coverages and identify ways to strengthen your overall risk management strategy.