The Final Countdown – Prepare Yourself Against Flooding

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The Final Countdown – Prepare Yourself Against Flooding

Floods . . . they can happen at anytime, almost anywhere, without almost any warning at all, and it’s no use waiting until the water starts rising before you think about being prepared. Okay, we can’t stop nature from¬†running its course and prevent these natural disasters altogether, but there are ways and means that we can minimize the damage, both to our properties and financially.

Remember this . . . FLOOD INSURANCE POLICIES DO NOT TAKE EFFECT FOR 30 DAYS, so it’s no good waiting until hurricane season is here before you ring your insurance agent . . . sort it out now, before it’s too late.

Flooding is the single most expensive natural disaster which America has to deal with, but remarkably millions of American homes and properties still don’t have adequate flood insurance. Your general homeowners insurance is not going to cover your home against flood damage, you need a separate flood insurance policy to do that.

The Final Countdown Before The Floods

Although floods do happen for many different reasons, the hurricane season is one of the biggest culprits, so the really smart cookies make sure that their policies are in full force before the hurricane season arrives. Hurricanes and tropical storms don’t only cause flooding in the coastal areas too, just in case you haven’t been watching the news for the past few years . . . the effects can be devastating however far inland you live.

Who Needs Flood Insurance

  • Home owners
  • Business owners
  • Renters

I bet that means you . . . . sort it out before it’s too late.

Other Pre-Flood Preparations 

Right, now that you’ve got your flood insurance sorted out, let’s look at a few more simple things you can do to help reduce the amount of damage to your home or property in the event of flooding.

  • Move valuable items to an upper level in your home . . . the lower down you keep your stuff, the more likely it is to get soggy!
  • Make an inventory of your valuables (with photos), and keep it safe in a water tight container along with important documents – flood insurance, home insurance etc.
  • Make sure that any household stuff in the basement (furnace / water heater / electrical box / air conditioning unit) etc is raised at least 12 inches from the floor, concrete blocks do a great job of this. You might be surprised at how much damage just a few inches of water can do, lift it and save it.
  • Make sure that your sump pump is working efficiently if you have one. If you don’t have one you should seriously consider getting one before the water starts pouring in.
  • Make a plan so that all members of the family know what to do in the event of a flood. An escape route to higher ground makes good common sense, with perhaps a pre-designated meeting point in case you’re not together when the flooding starts. There’s nothing worse than wondering where your loved ones are and whether they’re safe in a situation such as this.
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