Tag Archives: flood insurance

Coverage for Water Damage-Homeowners vs Flood Policy

Most homeowners insurance policies do not cover flood damage – federal flood insurance does. Flood insurance also covers damage from mud flow, dirt and debris resulting from moving water.


A homeowners insurance policy provides coverage for many types of water damage including damage from broken pipes, heavy rains and storms, but it usually does not provide coverage for damage from flood.


Flood insurance is available in all 50 states, as long as your community participates in the National Flood Insurance Program and your home is not in a Coastal Barrier Resource System Area.


Don’t wait for an imminent flood to obtain flood insurance. Most flood policies have a 30-day waiting period before coverage begins.


You don’t need to live by water to be at risk. Anywhere it rains, it can flood. Over 20% of all flood claims occur in low- to moderate-risk areas.


A home in a high-risk flood area has a 26% chance of being damaged by flood during the course of a 30-year mortgage. That same home only has a 9% chance of a fire.



Visit our website at https://batesins.com for additional information.


Flood Prevention: Gutters and Downspouts

Is your gutter system working how it should? Watch for a few things you should check to avoid flooding and costly repairs.

Inspect all of the gutters around your house to make sure that they’re free of leaves or any other debris that may obstruct the flow of rainwater.

Check your downspouts to make sure they’re long enough to carry the water away from your house. If water is pooling around your foundation after a heavy rain, longer downspouts may be necessary.

If your gutters feed to underground drainage systems, check the drain grates to make sure they’re not clogged.

Check all connections between gutter sections and downspouts to make sure that nothing has become disconnected.

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Facts about Flood

Flood Fact: You don’t have to live in a flood plain to need Flood insurance. Anywhere it can rain, it can flood.

Flood Fact: New developments can be at an increased risk for flooding, especially if the construction changed natural runoff paths.

Flood Fact: Hurricanes, winter storms and snowmelt are common causes of flooding, but are often overlooked.

Flood Fact: In most cases, Flood insurance policies have a 30-day waiting period. Don’t put it off until it’s too late!

Flood Fact: Flood policies aren’t just for homes – they’re available for apartments, condos and businesses.

Visit our website for more important information about flood insurance. http://batesins.com

Secure Your Home for Hurricane Season

The Atlantic Hurricane Season runs June 1 through November 30 and Hurricane Irene is in our path.  Here are some tips how to secure your home against strong winds and heavy rain.

Protect exterior windows and doors. Whether it’s a permanent solution like storm shutters, or a temporary solution like plywood, make sure that every window and door can be reinforced during a hurricane. Purchase supplies ahead of time.

Check and secure any loose shingles. High winds can lift loose shingles up and start a peeling domino effect on the roof.

Seal any cracks or holes in the exterior of the home. Water can seep into the openings where wires, cables and pipes enter the house.

Limit any potential for flying debris. Trim dead or broken branches from trees and remove objects in the yard.

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Preventing Basement Flooding

Thinking about finishing your basement? It’s a great way to add some extra square footage and increase your home’s value. But, basements are often prone to flooding. Consider these five water prevention tips before getting started.

Basement flood prevention tip 1: Inspect the grading of the land around your house. The land should slope away from the home

Basement flood prevention tip 2: Make sure all downspouts are connected and free of obstructions. They should extend several feet from your foundation.

Basement flood prevention tip 3: Check your basement walls for any cracking or stains from previous water damage, which could be warning signs of flooding in the future.

Basement flood prevention tip 4: Clear all underground drains and grates of any obstructions and make sure they’re functioning properly.

Basement flood prevention tip 5: Check your water softener, water heater and other utility equipment in the basement to ensure there are no leaks.

How to Care for Older Homes

How to Care for an Older Home: Older homes need special attention. Here are five tips on how to keep your older home going strong.

Tip 1: If your home has an old boiler system, replace with a modern, efficient boiler or furnace for energy savings.

Tip 2:  If central air isn’t an option, consider installing a large ventilation fan or whole-house fan in the attic. The fan can bring in a breeze through the open windows in the house.

Tip 3:  If your home has knob and tube electrical wiring, replace it with a safer, modern system with a new electric panel and house wiring.

Tip 4: Inspect the roof every six months. Replace or repair worn or cracked shingles immediately. If the roof is more than 20 years old and most shingles are worn or damaged, it’s time to replace it.

Tip 5: Steel plumbing pipes can clog from internal rusting. Replace them before they burst or reduce your water pressure.

Driving Tips for Stormy Weather

 Adverse weather tests driving abilities for both novice and experienced drivers. Here are some helpful driving tips to follow while driving in stormy weather.

Storm Driving Tip 1: Tires should be properly inflated and have sufficient tread depth to help ensure traction on slick roads.

Storm Driving Tip 2: Reduce your speed. If conditions are adverse, you may need to travel at a speed well below the posted limit.

Storm Driving Tip 3: Leave extra space. In bad weather, stopping distances increase. Adjust how closely you follow other vehicles.

Storm Driving Tip 4: If you feel your car begin to hydroplane, don’t panic. Ease off the accelerator and gently apply the brakes.

Storm Driving Tip 5: If your car becomes disabled, dial 911 to report your location and the nature of the emergency.