Don't have a standby generator yet? Here are 6 things you will want to know before you buy

Brandpoint - Every day on the news, it seems, there's a report about another extreme weather event. According to the National Oceanic and Atmospheric Administration (NOAA), 2023 was a record year for extreme weather. The U.S. experienced 28 separate, billion-dollar weather disasters last year, the highest number ever. That averages out to more than one every two weeks.

Last week, the NWS Storm Prediction Center issued a warning that severe storms capable of damaging winds, large hail, and tornadoes are on tap for tomorrow. The affected area stretches from the Ozarks into the Lower Great Lakes.

Widespread power outages, like this one expected to roll through central Illinois on Tuesday evening, are one of the byproducts of these mega-storms, but it doesn't take a once-in-a-century flood to cause them. Blackouts happen regularly due to more "mundane" causes, like power grid glitches, ice storms or high winds, even lightning in a garden-variety thunderstorm taking out a power pole. And you're left in the dark. Depending on the severity of the outage, that darkness could last awhile.

Remember that storm that produced nearly 80mph windspeeds passed through the area last June? In its wake, the storm left over 28,000 homes without power in Champaign County and more 170,000 homes in Ameren's service area.


A branch from a large tree was peeled away from the trunk by strong winds last June near a condo at the corner Broadway and Vermont in Urbana.
Sentinel photo

When the power goes out in your home, so does the heat. And the internet. And the electricity needed to keep food at a safe temperature in the refrigerator. All of your "smart" electronics and appliances that talk to each other (and to you) go silent.

Owning a standby generator is the best way to keep your household humming during a power outage. Because of all of the extreme weather we've been experiencing, it's moving from the nice-to-have category into a necessity. Here's what you need to know before buying one.

A standby generator is different than a portable generator. Most people are familiar with the type of bulky generators their fathers kept in the garage, noisy contraptions that needed to be hooked up to cough to life when the power went out. You could run the refrigerator or a space heater, but not both. We've come a long way since then. A standby generator is a back-up electrical system that kicks in automatically when the power goes out. These sleek, permanently installed units are a bit like having a power plant on reserve. Some models are able to power the electricity to your entire home. The switchover from the power grid to your generator is completely automatic and usually so seamless, homeowners don't even notice a disruption.

You must own your home to install a standby generator. Standby generators are permanently installed outside of your home — just like an AC unit or solar panel system — and routed to your home’s electrical and gas systems. For this reason, you must own the property your generator will power.

The type of home matters. A condo or apartment, even if you own it, isn't conducive to having a generator. If you live in a townhome complex, consult your community’s by-laws before purchasing a generator. Typically, single-family and fixed mobile homes are qualified for generator installation.

Research any necessary permits before you install. Typically, your generator will be installed alongside your home’s exterior in a discrete area, but it is still considered a modification to your home’s appearance. This means you’ll likely require approval, and perhaps permits, prior to installation if you live in a community regulated by an HOA or other governing board.

Consider your home's power needs ... and your own. Do you want to power your entire home during an outage, or can you get by with only select appliances or systems running? Analyze your home’s electrical load and your power priorities. This will help you determine potential generator models to choose from. Some are equipped to power your entire home, while others are better for powering the necessities.

Not all generators are created equal. You can find any number of generators on the market today with just a few mouse clicks online. But this is your family's safety and well-being in a potential disaster we're talking about. It's not the time to take chances on an untested product or company. Go with a trusted name in the industry you can count on to keep your household running. KOHLER generators have been on the market for over 100 years and each model has endured hundreds of performance tests to ensure total reliability. They're built with commercial-grade engines designed to outlast the outage. And they use state-of-the-art technology so you can monitor it on your mobile device or computer.


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In addition to providing dependable electrical service in an emergency, standby generators increase the intrinsic value of the home and property on the real estate market.

When a power outage strikes, a standby generator ensures that your family won't miss a beat. Want to learn more? Visit KOHLERhomeenergy.com for more information.

Four misconceptions owners have about flooding and water damage in their homes

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StatePoint Media - Many people look forward to spring when the weather warms up and flowers start to bloom, but it also marks the start of the peak time of year for flash flooding in the United States. According to NOAA, 75% of flash floods happen between late April and mid-September. With two major storms passing through East Central Illinois in the last week, you should remember when water backs up and overflows, it generally goes where it doesn’t belong and can cause serious damage to your home.

Unfortunately, many homeowners have misconceptions about floods, leaving them unprepared. Here are four of the biggest myths:

1. Homeowners insurance policies cover flood damage. A typical homeowners policy covers water damage from a sink or bathtub overflowing but won’t help with flood damage caused by storms – something many homeowners only discover after it’s too late. However, some insurance companies offer coverage to help fill the gaps so you don’t have to pay out of pocket for repairs and replacements. For example, Erie Insurance now offers Extended Water coverage, which covers damage caused not only by natural disasters, but also by sewer and drain backups.

2. Only people who live in flood plains need flood insurance. A national survey commissioned by Erie Insurance found that 53% of homeowners think only people who live in high-risk flood zones should buy flood insurance. However, 25% of flood claims are filed by people who live outside those areas. Additionally, FEMA says floodwater only needs to get a mere 3 inches high to make it likely that you’d need to replace drywall and baseboards.

3. There’s nothing you can do to prevent flood damage. Nothing is foolproof, but there are ways to protect your home from water damage. Install a sump pump along with a battery backup and regularly test it. Improve drainage around your home by clearing leaves and debris from gutters, storm drains and downspouts. You can also install water sensors to alert you of water or leaks within your home. If a storm is on the way, plan ahead by placing valuables and sentimental items into plastic storage bins, moving items off the floor (especially if they are stored in basements and lower levels of a home) and by making a home inventory. A list of all your personal possessions, along with their estimated values, will help if you need to file an insurance claim.

4. Insurance can only help you after an incident. Many homeowners don’t realize they may be able to get reimbursed for taking steps to protect their homes when flooding is imminent. As one example, under certain circumstances Erie Insurance will reimburse homeowners up to $10,000 for materials such as sandbags and the sand to fill them, fill for temporary levees, pumps or plastic sheeting and lumber used with these items, as well as labor.

“We encourage homeowners to not underestimate the risk of flooding, and to be aware of the significant amount of damage that even a small amount of water can cause,” said Michelle Tennant, vice president of product management, Erie Insurance. “Talk to your independent insurance agent about your home and your neighborhood to make sure you have the coverage that’s right for you.”

To learn more about protecting your home from floods, visit erieinsurance.com/extended-water.

Life is unpredictable. So is weather. But one thing is certain: if it can rain (or snow), it can flood. Make sure you’re protected with the right type of insurance.


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