Big Wind Day, observed on April 12, commemorates the earth’s highest recorded surface wind, measured at the Mount Washington Observatory. While most businesses will never see winds that extreme, preparing your commercial property reduces the risk of costly damage.
Inspect the roof
Your building’s roof is the first line of defense in a wind storm. Have a professional contractor inspect the roof to ensure it resists uplift and lateral forces. Secure loose shingles, replace missing or aging materials, repair weak spots, check the integrity of waterproof flashing, and clean debris from gutters.
Examine exterior walls, doors, and windows
Wind can penetrate walls, doors, and windows and cause interior damage. Inspect these exterior elements and seal or reinforce problem areas. Consider upgrading to impact-resistant glass where practical and consult a commercial contractor for siding replacement or crack repairs when needed; for businesses that need specialized glass protection, see Commercial Property & Glass (GlassPro).
Protect vehicles
Unsecured vehicles can become dangerous projectiles in high winds. Park fleet vehicles in a garage or other secure location when storms are forecast. If outside parking is unavoidable, choose sheltered spots away from trees, power lines, and other hazards.
Trim trees
Strong winds can uproot dead trees and break loose branches. Hire a certified arborist to assess trees near your property and remove or trim those that pose a threat to structures, vehicles, or utility lines. Maintaining landscaping proactively can also reduce insurance claims related to falling branches; consider whether your landscaping exposures are reflected in your coverage, such as with Commercial Lawn Care Property Insurance.
Anchor outdoor items
Signs, fences, dumpsters, HVAC units, and loose landscaping materials can become airborne in high winds. Anchor outdoor equipment securely and replace worn items like loose fence posts or unstable fixtures before a storm.
Create a storm shelter
Depending on local risk and wind speeds, identify or create a storm shelter in the safest part of your building. A suitable shelter has no exterior windows and can hold employees, customers, critical inventory, and essential electronics during a severe event.
Update your business insurance
Confirm your commercial property policy provides adequate coverage to repair or replace damaged structures, equipment, and contents. If your location is in a higher-risk area, you may need additional wind endorsements or specialized coverages; review options such as Vacant Property Wind Coverage for specific exposures and, if you want help, talk to an agent.
In preparation for Big Wind Day and year-round storms, securing your property and reviewing insurance protections can limit damage and downtime for your business.
Frequently Asked Questions
How often should I inspect my roof for wind readiness?
Inspect the roof at least twice a year and after major storms; a professional inspection annually is prudent for commercial properties.
Will my commercial property insurance cover wind-blown debris?
Coverage depends on your policy and endorsements; review your limits and exclusions with your insurer to confirm whether debris impact and cleanup are included.
Are outdoor signs and fences typically covered after wind damage?
Some policies cover outdoor signs and fences as part of building or outdoor property coverage, but you should verify limits and whether separate endorsements are needed.
When should I move vehicles indoors ahead of a storm?
If high winds or a severe weather warning is forecast, relocate vehicles to a garage or sheltered area well before the storm arrives to reduce risk.