Wednesday, September 20, 2017

8 Important Steps To Take To Protect Your Home From A Flood (3 of 8)

3. Examine the exterior of your home
You might find areas where water can easily get in to your house. Patching any potential leak areas is step one. Now look at how the water flows away from (hopefully) or toward (hopefully not) your home. You can do an easy test with a hose or in a "normal" rainstorm, checking for areas where water naturally pools. Having sandbags in the garage that you can use as needed to help keep water from getting inside is a good emergency measure.

Tuesday, September 19, 2017

8 Important Steps To Take To Protect Your Home From A Flood (2 of 8)

2. Get to higher ground
It goes without saying that you should protect yourself in the case of a flood. But moving your important things to higher ground can help keep them safe as well. Only a tiny bit of water is is needed to do lasting damage. "The one nasty thing about flooding is that there is no (margin) of safety other than elevation," Tim Reinhold, senior vice president of research and chief engineer at the Insurance Institute for Business & Home Safety, or IBHS, told Bankrate. "Once the water reaches the level of your floor and goes an inch above, you have significant damage."
You may not be able to keep the water out in every case, but moving furniture and important items to a higher floor or to the attic can help safeguard them.
Things like furnaces, water heaters, circuit breakers, and wiring should also be raised - permanently. If you know your area's flood level, go at least a foot higher when relocating your items. You'll also want to anchor and raise any fuel tanks to limit the possibility that they can spread contaminants.

Monday, September 18, 2017

8 Important Steps To Take To Protect Your Home From A Flood (1 of 8)

In the wake of all the tragedy associated with Hurricane Harvey, and the devastation it continues to bring to Texas and the Gulf, many people have been wondering what they can do to protect their home from a flood. While flooding like what has happened in Houston and Beaumont is rare (although it is happening with increasing frequency and ferocity) and, in many cases, impossible to guard against, just a small amount of water can have big consequences. These 8 tips can help you and your home stay safe.
1. Look into flood insurance
People who live in an area that is more prone to flooding may be better prepared if they are required to have insurance and take certain precautions. Although, we learned from Harvey that only 15 percent of those who lived in massive, hardest-hit Harris County were actually covered by the National Flood Insurance Program. These policies are necessary if you live in a "100 year flood" zone, although enforcement is clearly lacking.
But in a time when climate change is creating increasingly unpredictable and powerful storms, "no state or territory is safe, according to FEMA, the Federal Emergency Management Agency," said Bankrate.
That means that everyone should be looking at their insurance policies and what they are currently covered for. "Most people think they're covered for flooding with their homeowner's insurance policy. But they're not," said Houselogic. "You must buy a separate flood insurance policy to be covered. Only 18% of homeowners in low-to-moderate risk areas have flood insurance. Of those that have it, 1 in 5 have made a claim."