Did you know that homeowner’s insurance does not cover flooding? Flooding is a leading cause of damage to homes and it is not covered by traditional homeowner’s insurance.
If you want or need flood coverage, you need to pay for it separately. If your home is in a flood plain, you probably already know this because most mortgage lenders require flood insurance to be purchased on homes that lie within floodplains.
Besides carrying homeowner’s insurance to protect your wallet from flood damages, there are several things that you can do to help protect your home from flooding.
As we mentioned above, if your home is located in a floodplain, you should already know that and have purchased flood insurance coverage as mandated by your lender. If you are not in a floodplain, you are not required to carry this additional coverage.
Regardless of whether you have flood insurance or not, there are several things that you can do to help minimize the risk of flooding and the ensuing damage.
One of the first things that you should consider doing, especially if you live in a high-risk flood area, is to put together an emergency kit that is ready to grab and go in the event of a flood. Additionally, you will want to have an evacuation plan for you and your family.
Your emergency kit should include:
You will also want to have an evacuation plan mapped out in the case of emergency. Plan on where you will go, who you will stay with, etc.
Besides being prepared in the event of an evacuation, there are several things you can do to physically protect your home from flooding.
In addition to these tips, you should also make sure that appliances in your home are raised above the flood level as well. Water heaters, washing machines, air conditioners, etc. should all be raised above flood level, especially if they are in your basement. This can be as simple as putting your appliances up on cinder blocks to keep them off ground level.
Sometimes, no matter how prepared your home is, flooding is imminent. Luckily, there are some things that you can do to help minimize the damage.
If your home is flooding frequently and you are finding yourself having to constantly pay for maintenance, consider investing in home renovations to fix the root of the problem.
A professional contractor should be able to come to your home and assess your home's issues and determine the best ways to protect it from flooding. As long as you are prepared, you can take care of flooding issues before they get out of hand.
A comprehensive list of steps you can take to protect your home and your loved ones.
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