Preparing for El Niño: What homeowners should do ahead of rainy weather this winter

SAN FRANCISCO (KGO) -- El Niño could break records this winter with strong winds and heavy rain, that could bring major flooding this winter.

We recently reported on flood insurance. Remember if you don't have it, it can take 30 days for coverage to take effect.

MORE: Do you have flood insurance? Here's what to consider ahead of potentially historic El Niño winter

So, what should homeowners do before a big storm?

First, look at your homeowners insurance policy. See what it actually covers and, very important, the exclusions.

Second, flood insurance is not covered by most home insurance policies, so it's best to check with your insurance agent or FEMA for policies.

El Niño Effect: How climate pattern could reshape California's winter

Third, safely check your gutters and drainage. This includes removing debris, so water can flow freely. And have a professional check your roof to see if there are any missing or lifted shingles, which protect your home from leaks.

Lastly, ahead of a storm, be sure to take pictures and video of the risk areas on your property.

Insurers often use earth movement as an exclusion — so having proof showing before and after will help you fight for coverage.

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