The monsoon season sneaks up each year, and each year the water creeps up. In Florida, where sandy soil and high water tables are the norm, this is just taken as a matter of course. But creeping up the shore is one thing…and creeping into the home another. What can you do to help safeguard your house before flood waters appear?
Flood Insurance
Having flood insurance won’t prevent your home from flooding, but it will prevent a great deal of hassle later on. Most homeowner’s insurances do not cover flooding. This is additional needed coverage. You can find out what flood zone your home is in by looking at zoning maps, available online. Most lenders will require flood insurance if you are in a flooding prone area. However, even if you are “only” in an area that floods once every one hundred years, your year might be the one that includes a flood, so having flood insurance to protect your property and your belongings is crucial.
Using a Submersible Pump
Submersible pumps are useful in a variety of situations. Being able to get flood water out of your house as quickly as possible is key to mitigating mold growth and damage. These pumps are great to have on hand. If everybody in your area needs a limited number of rentals, you might be caught in a long line. This investment makes a difference to the speed at which you can dry out your home.
Prepare Ahead
You know your area is prone to floods, because of Florida’s geographical location and annual Hurricane Season. Your best bet is to prepare ahead as much as possible to limit ongoing damage. Sealing cracks in the foundation of your home, intelligently storing important paperwork and valuables in sealed containers above flood levels, and even installing flood vents in your foundation can be tools to use to help your home and belongings be as safe as possible. Only you can look at your property and belongings and make the list of what needs to be moved, tied down, or stored in order to protect from rising flood waters.
Considering flooding of your beautiful home is a scary prospect, so often individuals put off thinking about it. However, a little preventative work will safeguard both your home and family in case of floodwaters. Knowing your home is protected will help you sleep peacefully, even while storms rage.
We provide great flood insurance options so you can protect the assets in your Florida home. Start by requesting a free quote from us!
LEGAL DISCLAIMER
Views expressed here do not constitute legal advice. The information contained herein is for general guidance of matter only and not for the purpose of providing legal advice. Discussion of insurance policy language is descriptive only. Every policy has different policy language. Coverage afforded under any insurance policy issued is subject to individual policy terms and conditions. Please refer to your policy for the actual language.
