Tips for Preventing a Leading Cause of Property Damage

HARTFORD, Conn., September 10, 2014 – Wind, hail and damage caused by rain entering a

building are among the most common causes of property damage for Travelers (NYSE: TRV)

home insurance customers. To help protect homeowner property and belongings, Travelers

recommends focusing on the roof, which is especially vulnerable to inclement weather conditions.

“Many types of severe weather can put added stress on roofs, from high-speed winds ripping off

shingles, heavy debris and ice getting caught in gutters, to the weight of excess snow,” said Jim

Gustin, Senior Property Specialist, Risk Control, Travelers. “As we gear up for fall, there’s no

better time to inspect roofs for damage, make any necessary repairs and clean the gutters to

help prevent some of the most common causes of damage that occur.”

Besides wind, hail, snow and ice, other hazards that can contribute to roof damage include

fallen tree limbs and general lack of maintenance and care. It is important to perform regular

upkeep on roofs, including shingle replacement, as needed. A strong roof can help prevent wind

damage that can affect internal structures and can also keep water from leaking into homes and

causing rot and other damage.

To help ensure your roof is in good condition and prevent potential damage, Travelers

recommends taking the following steps:

 Trim trees and remove dead branches so they do not damage your home or injure

someone if they fall because of wind, ice or snow.

 Check for damage to your roof, and clean gutters and downspouts to keep debris from

accumulating. This is especially important during the fall season to keep leaves from

building up in gutters.

 Consider impact-resistant roofing material if you live in a hail-prone area and are

planning to build or replace the roof on your home.

 Add extra insulation in the attic to guard against ice dams. If too much heat escapes, it

can melt the ice and snow on the roof. When it refreezes, it can cause an ice dam, which

can lead to water damage inside your home.

 Check the flashing on the roof to make sure it is in good condition to help prevent water

penetration.

 Inspect your roof regularly for maintenance issues that could make it more susceptible

to hail and other damage, including surface bubbles and areas with missing gravel on

flat roofs, or missing or damaged shingles or tiles on sloped roofs.