This is the time of year for pop up showers and thunderstorms which could cause property damage, leaving some homeowners with a hefty bill.

Agent Scott Graham says insurance companies take care of damage after the fact because they are not set up to be preventative.

First, make sure you're safe, and then call your insurance agent.

Scott Graham has been working for State Farm for 18 years. He says the concerns he hears most related to storms are wind and water.

Graham says the best thing to do is prevent as much damage as possible.

“Get the big yard umbrellas buttoned up and put away so they don't hit your neighbor’s house,” said Scott Graham. “Put your car in the garage.”

Graham says trees often cause major problems to houses and vehicles. He says tree damage is covered in home policies no matter if the tree was on your property or not.

One way to avoid any downed trees is to keep them trimmed back or remove them if necessary.

“You and your neighbor need to have an open line of communication between one another to address that situation ahead of time,” said Graham.

Graham says water damages like burst pipes are covered.

However, when it comes to water in the home, FEMA determines the amount of water it takes to be considered a flood.

“Now, once outside water hits the ground it's now deemed a surface water by definition. That is excluded from the homeowner policy,” said Graham.

Graham encourages every homeowner to be cautious of contractors who want to rush to make large repairs.

“I'll go ahead and call the insurance company and file the claim for you,” said Graham. “You want to be really careful about giving any kind of information like that to somebody you don't know.”

Data shows weather-related issues are the top causes of homeowner losses.