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What type of coverage do you need?

flooded cityIf you live in an area that has a high risk of floods, you likely know the warning signs of impending flood.

Floods can be unpredictable in the amount of devastation they bring to a region. Floods often cause very expensive damages to the homes and properties they affect. Water damage is often very potent and hard to repair.

If your home is at a high flood risk, you likely must buy flood insurance to protect the property. The standard home insurance policy usually doesn’t cover flood damages.

However, floods threaten more than just your home. Floodwaters can trap, injure and kill those whose homes they affect. In many cases, impending flooding leads local governments to declare evacuation orders.

Preparing for Evacuations

If you feel you have to evacuate your home ahead of a flood threat, there are many things you need to do beforehand. Securing your property, and protecting your safety, should be your top priorities.

  • Check any drainage ditches, levees or flood deterrent systems on your property. Make sure these are in good working order. Strong deterrent systems can better protect the home should waters begin to rise.
  • Make sure your basement seals are in good shape. Also check to ensure that your gutters are not clogged or damaged. These systems can help water run away from the home, and keep it from seeping in.
  • Make emergency preparations to secure the home. Many people use sandbags to create temporary dams around the home. This can sometimes direct water away from the home.
  • Secure any large personal belongings that you can’t take with you. Move furniture, carpets and appliances out of the home or to an upper floor. If you can’t move furniture out, try to elevate it as best you can. You might be able to wrap some pieces to better shield them. Raise every possible item above the height of a typical flood line.
  • Turn off the electrical and utility systems in the home. Doing so can help you reduce the risk of appliance damages or fires.
  • Board any windows and doors to keep back water. Place sandbags around these areas.
  • Take any valuable items like jewelry or personal effects with you when you evacuate. Make sure that you take any financial disclosures, identification cards, Social Security information and insurance paperwork with you. What you can't take, store in a waterproof area of the home or in a waterproof safe deposit box.
  • Take non-perishable food, water, and first aid supplies with you when you evacuate. Also make sure that you take batteries, radios and rechargeable cell phones. Even if you only have to travel a short distance, these supplies may come in handy in case of emergencies.

Importantly, talk to your insurance agency if a flood threat is imminent. Your agent can help you understand what precautions to take to best protect your home.

The Weimer Group can help you find Perkasie flood insurance that meets your needs. Get in touch with us at (215) 257-9171 for more information.

Posted 8:17 PM

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