We all have seen the news stories and the photos of what can happen during a flood. The rising water, the flooding, the damage done to property, and everything that has to be done to clean up after the flood. It’s a real mess. One thing homeowners and property owners can do to protect against this is to have flood insurance. However, many people mistakenly think that only property near bodies of water need to worry about flood insurance. This is not true, and is one of the flood insurance basics that people misunderstand. So, Snyder Insurance has tips that homeowners can use when selecting insurance, and to protect against flood damage.
How Flood Insurance Works
Flood Insurance Basics
According to the National Flood Insurance Program (NFIP), more than 20% of flood insurance claims originate in what are considered to be moderate or low-risk areas of the country. This means that flooding often impacts homes and businesses that are not directly on waterways. Contrary to popular thought, flooding often happens in these areas.
Floods can be brought on by sudden and/or high levels of rain fall during storms, hurricanes and winter snow melts. What is important to remember is that a flood doesn’t have to be like the catastrophic ones seen on TV, where entire homes are washed away. Just a few inches of water can cause major damage to your home and should be guarded against with a flood insurance policy. This is why understanding flood insurance basics is so important for any homeowner, and why these tips for protecting against flood damage are so valuable!
The Snyder Insurance Difference
Here at Snyder Insurance, we want you to have the protection you need to keep your family and your possessions safe. Flood insurance helps give you the peace of mind that you’re looking for, so that you know your property is protected. Our insurance team can help you decide if flood insurance is right for you and what level you need for your property. Flood insurance is provided by most insurance companies, but will need to be bought as a separate policy in addition to your normal home owners insurance policy. Just as some areas of the country need extra coverage against earthquakes or hurricanes, many areas need flood insurance added to the policy to provide full protection of the home.
Tips For Protecting Against Flood Damage
- Use water resistant materials when building your home to provide additional flood and water damage protection
- Leave the floors of the basement unfinished so there will be less damage in these flood-prone areas of the house
- Prevent sewer line backups by installing flow-back drains, and check connections on a regular basis
- Raise major electrical appliances above the base flood elevation (BFE) or, if this is not doable, use a flood wall or shield to protect them from water damage in the event of a flood
- Install flood shields and barriers around basement windows and doors to prevent excess rain water from flowing into the basement
- Install and properly maintain a high-quality sump pump system to protect any of your below-grade floors
- Landscape your yard and the borders around your house with native plants to reduce need to add water (which can contribute to the ground saturation), and use grass and other vegetation that resist soil erosion and flooding
Some areas are more prone to flooding because they are near lakes, ponds, or waterways that can flood their banks during excessive rain fall or snow melt. In other areas, parking lots, homes, businesses, and other man-made structures may affect how water is absorbed into the ground, and can make flooding more likely. To help make sense of the ins and outs of flood insurance, contact Snyder Insurance today and let us help with flood insurance basics. Use these tips for protecting against flood damage, and you’ll be better prepared for selecting the perfect coverage for your unique needs!