Staying Secure, Rain or Shine: Severe Weather & Home Insurance Tips for Overland Park Homeowners


When severe weather strikes Overland Park—whether pounding hail, fierce winds, or flooding from heavy spring rain—it’s more than just a moment of panic. Your home, your sanctuary, is on the line. That’s why at KMO Insurance Agency, we’re dedicated to pairing the peace of mind that comes from personal, expert guidance with strong, tailored coverage that prepares you for life’s uncertainties.

As an independent insurance agency, we do the heavy lifting—shopping for the best policies for your needs and budget—so you can enjoy what matters most: your home, your family, and your peace of mind.

Why Overland Park Homeowners Should Take Note

Overland Park may lie beyond Tornado Alley, but that doesn’t spare us from severe weather. Here’s the risk breakdown:

  • Tornadoes and Hail: Kansas’s severe spring and summer storms often bring hail and high winds that can damage roofs, siding, and outdoor structures.
  • Heavy Rain & Flash Flooding: While not in a traditional floodplain, localized flooding can still threaten basements and lower levels—especially during heavy spring downpours.
  • Winter Storms: Freezing conditions, snow, and ice can crack foundations, weigh down roofs, and damage water lines.

Being proactive in weather readiness and insurance planning can mean the difference between recovery and ruin.

Preparation Beyond Insurance: Fortifying Your Home

Roof & Exterior Before the Storm

  • Check and repair damaged shingles or flashing—your roof should be storm-ready.
  • Keep gutters and downspouts clean and flowing, especially before heavy spring rains.
  • Trim overhanging tree limbs that could snap and damage your roof or siding.

Windows, Doors & Entry Points

  • Install impact-resistant windows or reinforcing shutters if your home needs it.
  • Seal gaps around doors and windows to reduce moisture intrusion.
  • In emergencies, board up vulnerable openings to keep wind and water out.

Flood & Drainage Measures

  • Ensure your yard is graded away from the foundation.
  • Install a sump pump, preferably with battery backup.
  • Use sandbags or barriers if flash flooding is possible in your neighborhood.

Emergency Readiness

  • Maintain a kit with essentials: water, nonperishable food, first-aid, flashlights, phone chargers, and medications.
  • Have a family communication and evacuation plan—know where to go and how to contact one another.

Insurance Essentials: What to Ask Your Insurance Broker

At KMO Insurance, we believe in personal attention, customized quotes, and timely response—we consider these essential pillars of service,Here’s a quick checklist of important coverage elements for severe weather preparedness:

  • Adequate Dwelling Coverage

Make sure your policy reflects rising construction and rebuilding costs. Underinsurance is a hidden peril, so let’s reevaluate your dwelling limit regularly.

  • Extended & Ordinance Coverage

Severe storms can trigger building code changes or debates over structural safety. These add-ons ensure you can rebuild to current standards if needed.

  • Windstorm/Hail Deductible Details

Wind/hail deductibles in Kansas tend to be higher—often 2–5% of your dwelling coverage. Ask your KMO agent for clarity so you’re financially ready if a claim arises.

  •  Other Structures & Personal Belongings

Garages, fences, or tool sheds—don’t overlook them. Also, inventory your belongings, document their value, and understand your contents coverage.

  •  Additional Living Expenses (ALE)

If your home becomes uninhabitable after a storm, ALE can cover temporary housing and related costs.

  • Flood Coverage

Standard policies do not cover flood damage. Even in regions with moderate risk, flood insurance is often inexpensively added and invaluable in a disaster.

  • Mold & Water Damage

After floods or roof leaks, mold often leads to second claims. Check whether your policy includes mold remediation or requires a specific add-on.

Why Choose KMO Insurance?

  • We’re independent agents—that means more options and better flexibility when shopping across multiple carriers to meet your specific needs.
  • You’ll experience personalized, rapid responses—you’re not a policy number, but a neighbor who deserves attention.
  • We serve nine states, including Kansas, Missouri, Iowa, Illinois, Colorado, and more—bringing broad experience and local expertise.
  • With physical offices in Overland Park, our team—led by professionals like owner and CEO Storm Bailey—has deep local roots and a reputation for thoughtful guidance
  • Trust matters we have procured a sterling reputation that proceeds our staff and team located in Overland Park KS clients report overwhelmingly positive feedback, with more than 500 five-star Google reviews.

Smart Steps to Take Today

  • Schedule a Home Insurance Review
    Let KMO Insurance check your current policy’s coverage for wind, hail, flooding, and mold—identify gaps before they become costly claims.
  • Document & Mitigate
    Take quality photos and videos of your home’s exterior, roof, and prized possessions. This makes claims smoother if storm damage strikes.
  • Invest in Mitigation
    Use discounts potentially available for storm-proofing—reinforced roofing and impact windows often lower premiums.
  • Plan & Prepare
    Build your emergency kit and plan evacuation routes. Knowing what to do before disaster strikes makes all the difference.

Protecting What Matters Most

Your home is more than a structure—it’s where memories are made, where loved ones gather. At KMO Insurance Agency, we understand that. Our mission is simple: to help you spend less time worrying if you’re properly insured and more time enjoying your life.

Get in touch today for a free, personalized home insurance quote. Whether you’re reinforcing your home against hail, evaluating your flood exposure, or just making sure you’re covered if severe weather hits, KMO Insurance is here to serve—with agility, insight, and local focus