Most of the people in the world think that they are covered for flooding with their home insurance policy. But actually, they are not!
You need to buy a flood insurance policy to get completely covered with flooding which is a #1 natural disaster.
How severe this natural calamity affect people can be seen with the Water Damage Houston had witnessed in the year 2017. The damage caused was likely to amount in the tens of billions, and the city has not recovered till now.
Are you comfortable with this high-level of risk?
Weather can be unpredictable, but you can protect your home from catastrophic water damage and flooding.
Here’s what you can do.
- Evaluate the risk of flooding in your house
The first step to protect from the flood is to determine how likely your area is prone to flooding, and how well your home can withstand it. You can check the flood risk of your region at FEMA Flood Map Service.
It marks some zones which you need to recognize.
- Blue Zones: According to FEMA, blue zones are likely to face severe flooding in once in 100 years. Although it is 1% annual chance zones, it is still considered to be a high-risk designation. So, take adaptive measures to flood proof your house.
- Orange Zones: This zone is likely to face significant flooding in atleast once in 500 years. So, these are 0.2% annual chance zones.
- Yellow Zones: These areas are prone to undetermined flood risk. If you are likely to buy a property in this area, we recommend you to consult the neighbors and your flood insurance agent about the flooding details in that area.
- Blue with Red strips: These are more prone to flood. These zones mostly include a river and its surrounding floodplain. These are kept clear to drain water from several flood zones.
Next, determine the flood level of your house and also examine how water enters your house during significant rain.
- Prevent your home from flooding
Now when you have assessed the overall flood risks for your home, you need to take the adaptive measures to flood-proof your home. It can vary from complete home renovations to basic maintenance. Take steps according to the flood risk of your home.
Renovations to prevent your home from Flood risk
If your home is in the flood-prone area, some flood-proofing work may be required to minimize the flood damage.
- Raise your home on piers: Raising your house on piers or stilts will increase the house’s flood level, and it will substantially protect your home from rising water.
- Raise electrical switches: All the sockets, switches, electrical outlets of your home should be one foot above the flood level to prevent damage.
- Install a sump pump in your house: A sump pump or foundation vent allows flood water to flow away from your home rather pool there. It is generally used to pump out from basement areas.
- Protect HVAC Equipment and Appliances: Flooding can also cause damage to air conditioning units and furnaces. So, install HVAC equipment above the flood level in flood-prone areas.
- Preventive Measures to Limit Water Damage After Flooding has begun
In case the calamity has already started and caused damages to your valuable assets, follow the steps to minimize the damage.
- If the water line is the source of flooding, turn it off.
- Clear out drains and gutters of your home so that water can flow through them.
- Turn on a sump pump to pump out water quickly.
- Take a photograph or videotape flooding of your home to document your claim with the flood insurance provider.
- Turn off the electricity supply at the breaker panel.
With the likelihood of increasing storms and flooding due to crazy and uncertain weather, protecting your home from damage is now more important than ever.