Protecting Your Beach Home From Coastal Threats

Protecting your beach home from coastal threats can be difficult, especially when inclement weather hits and causes a stir. With the summer months on the horizon, it is best to learn how to protect your beach home. However, you need your beach home to stay afloat, primarily when you use it in the summertime. Most people do not think about the hazards of owning a beach home. Our goal is to help you understand the multitudes of issues that can arise from having a house on the beach and how to overcome them. We believe that you should have the best protection for your beach home.

Questions To Ask Yourself

· What are the biggest threats to my home?

· Will my home be able to stand any weather without encountering significant damage?

· How much will it cost me to maintain my home?

Protecting Your Beach Home From Coastal Threats

There are steps you must take when protecting your beach home. Let’s start with the most significant threats. What are some of these coastal threats? These threats could range depending on the situation. The following provides a guide to the dangers near your beach home and what to do to counterattack them.

Coastal Erosion

Coastal Erosion occurs when land on the coast starts eroding due to sediments or bedrock from the shore. Likewise, many factors come into play here. It could be a combination of strong waves and stingy currents. These weather events can dictate the levels of coastal erosion that impact the shoreline. Additionally, human influence can affect coastal erosion depending on activity levels.

The U.S. Climate Resilience Toolkit reported that coastal erosion costs approximately $500 million per year in property loss. Additionally, it includes damages to the exteriors and contributes to the cause of land loss. Sea level rise is another factor to take into consideration. When the sea levels rise, the sands on the beach erode. It, in turn, causes coastal erosion.

The Coastal Change Hazards Portal provides a report on coastal updates that can show places where coastal erosion is happening. In addition to that, it can show where it is in the worst case.

How To Counter Coastal Erosion

Protecting your beach home from coastal threats starts with figuring out how to attack coastal erosion. Before beginning:

1. Check with your HOA and see if they have provided any solutions for countering erosion.
2. Establish a plan for dealing with it.
3. Review your homeowners insurance policy to see what it covers.

Subsequently, it should help you understand what protection you have in case of coastal erosion damages any part of your home.

One way to prepare for damages to your beach home is to know all the safety situations around your community. Always be on the alert for inclement weather patterns or strong currents. Additionally, keep up to date with coastal wave patterns and currents.

Environmental Damages

Environmental damages can cause devastating effects on your home. One way to prevent this is to understand precisely what can cause this. Ideally, you must be able to maintain the coastal home and everything that goes with it. When working on the exterior, make sure that you use weatherproof paints.

Weatherproof Paints

But what do weatherproof paints do, and how do they protect your beach home from coastal threats? Weatherproof paint is a unique paint that can withstand any weather and maintain its coloring. In addition, it defies all seasons and sustains the wood and other parts of the exterior. Here are some benefits to weatherproof pain.

1.      Prevents Fading: With weatherproof paint, your wood will not fade, peel or rust. Also, weatherproof paint can help sustain the quality of the structure and ensure that it withstands anything that hits it.

2.      Color: If you were to paint your home red, you would want it to stay red. Likewise, when you use weatherproof paint on your home, it will help maintain the coloring on your house. It will remain the same throughout any climatic obstacles.

3.      Money Saver: If you use weatherproof pain, you can save money over the long haul. If your coastal home gets hit by strong winds or rain, it might wither down. Then, you will likely need to repaint the exterior repeatedly. However, if you use weatherproof pain, the quality and the composition will look sturdier.

Maintenance

Be ready to maintain your beach home constantly—schedule routine inspections to ensure that everything is up to par. Ideally, you would like your beach home to be in the best shape to prevent any future incidents. 

Beach homes will likely need repairs. Likewise, it could cost around 1% of the home’s total cost to repair every year. Let’s say you purchased a $600,000 beach home. That means it would cost you $6,000 each year to maintain.

Repairs to your home could include electricity, plumbing, and the HVAC unit. Additionally, some unforeseen issues could arise. Prepare a budget. Once you set a budget for how much you need to spend, it will be easier to understand the cost.

Insurance

Prevent any issues with extravagant costs by securing coastal insurance. When you do this, you ensure that you have a backup for when things go wrong. Also, it could save you plenty of money in the long run, and you will have peace of mind.

Comfort For Your Beach Home

We believe you can protect your coastal home if you prepare efficiently and understand the risks. Make sure you know exactly what to do in an emergency and educate yourself on the dangers of owning a coastal home.

About Dickstein Associates Agency

Dickstein Associates Agency has distinguished itself as a leading provider of personal and business insurance in the tri-state area since 1965. We pride ourselves on being advocates for our clients and providing them with quality and affordable coverages. As Trusted Choice™ independent insurance agency, we partner with various national and regional carriers, allowing for flexible coverage for each client’s unique circumstances. For more information on how you can leverage all your insurance to work best for you, and how we can secure the best insurance in the marketplace suited to your specific needs and business objectives, contact us today at (800) 862-6662 or www.dicksteininsurance.com.