Tag Archives: flood zone

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.



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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.

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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.

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.

Flood Safety Awareness Week-Five Items Every Home Should Have


National Flood Safety Awareness week is March 14-18. Here is a list of five items you should have on-hand to keep you and your family safe and minimize damage to your property in the event of a flood.

Flood Safety Item 1: Keep a battery-operated radio in your home so you can listen to any flood alert broadcasts. Be sure to keep plenty of batteries on-hand.

Flood Safety Item 2: Have a battery-backup sump pump installed and check it regularly for proper operation.

Flood Safety Item 3: Keep bottled water in your home. Public water sources and wells often become contaminated during a flood and clean drinking water can become scarce.

Flood Safety Item 4: Keep a supply of canned food in your home. During a flood, you and your family may not be able to leave your house for several days. Plan ahead by having plenty of non-perishable food on-hand.

Flood Safety Item 5: Keep several flashlights with extra batteries in your home in case your power goes out.

Planning Ahead for a Flood


Although it may not seem as necessary as homeowners insurance, flood insurance is important if you plan on keeping your home safe and your posessions secure.  Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.  There is a 30 day waiting period before coverage is bound so before all the snow melts from this horrendous winter we have had, consider inquiring about flood insurance.

A flood can often happen very quickly, leaving you little time to do anything but evacuate. Check out these five guidelines that will help minimize damage to your home and danger to your family.

Flood Prep Tip 1: Know your property and area. If you live in a flood-prone area, elevate and reinforce your home. Learn evacuation routes in your community and where you should go if waters rise.

Flood Prep Tip 2: Prepare your home. Make sure your sump pump is working, install a water alarm, elevate appliances, move furniture and valuables to higher stories in the home, and regularly clear debris from gutters and downspouts.

Flood Prep Tip 3: Protect your assets and information. Create a flood file containing a room by room inventory of your possessions, a copy of your insurance with contact information, copies of critical documents and a CD or thumb drive of important computer documents. Store this file in an accessible waterproof and fireproof container.

Flood Prep Tip 4: Have a plan. Practice flood evacuation routes from home, work and school and decide on a destination to meet. Be sure to consider the safety of any pets.

Flood Prep Tip 5: Create an emergency kit. Have extra drinking water, non-perishable food, first-aid materials, blankets, a battery-powered radio, a flashlight and extra batteries ready to grab in case you need to evacuate.