Springtime brings warm weather and sunshine, but it sometimes has a less-pleasant aspect: floods. Frequent springtime showers can dump an incredible amount of rain on your property, resulting in flooding and water damage. In the aftermath, you may be looking at paying for tens or even hundreds of thousands of dollars worth of repairs and renovations to restore your home to its pre-flood condition.
Although you can’t predict exactly when the next flood will strike, you do have the power to be fully prepared when it happens. Flood insurance will protect your house, your property, and your family in the event of a severe storm. Here are just a few of the many reasons to invest in flood insurance.
Spring Flooding Is Common
We’ve all heard the phrase “April showers bring May flowers,” but, unfortunately, those same showers can also bring massive flooding to your area. Spring is traditionally a rainy season across the United States. The combination of rainfall and snow-melt causes the ground to be soggy and over-saturated, which makes it difficult to properly absorb water from future rain showers. Once the ground hits its saturation point, according to Do Something, all that additional water floods into low points in the landscape or sits on top of the ground. This can be disastrous for your home, especially the foundation and basement.
Post-Winter Damage
Just because winter is over doesn’t mean you’ve seen the last of it yet, since your house may have suffered weather-related damage that only becomes apparent when spring arrives. A prime example of this is your sprinkler system. The brutal freeze-thaw cycle of winter can create cracks in the sprinkler system’s underground pipes.
You likely won’t notice this damage until spring, when your sprinklers come on for the first time. Instead of water coming through the sprinklers like normal, it will seep out through the cracked components and flood that area of your yard. Luckily, you can avoid this issue by having your sprinkler system winterized. According to The Sprinkler Guy, an improperly shut off or turned on sprinkler system can cause a spring flood or water damage to your home.
You’ll Likely Need It Eventually
Let’s face it. Floods are a part of nature, and they’re not going away anytime soon. That means experiencing a flood in your area isn’t a question of if, but when. The last thing you want is to be blindsided by a flood that ends up destroying your beautiful home and garden. According to FEMA, even minor flooding leads to major problems like mold, mildew, and structural damage. Instead of dealing with the stress of paying for costly repairs out of pocket, you should plan ahead so that your repairs are covered by flood insurance.
Increase Your Home’s Value
Ensuring that your home is protected in the event of flood damage is a sure-fire way to both increase its value and protect your investment. It may come as a surprise that standard insurance policies don’t include flood insurance. Unfortunately, this exact scenario has caught many homeowners off guard when their home unexpectedly flooded and they discovered that their insurance provider did not cover repairs.
Safeguard Your Home and Property
When water enters your home, nothing is safe. The foundation, drywall, flooring, electrical systems, furniture, and possessions are all vulnerable to being damaged or destroyed. In fact, as little as an inch of water can cause tens of thousands of dollars worth of damage. For most homeowners, that’s an absolute nightmare!
Flood insurance protects your home and property in case it ever floods. Most insurance policies are comprehensive and cover almost everything in your house that’s susceptible to damage, such as the foundation, cabinets, furnaces, electrical and plumbing systems, kitchen appliances, and more. A knowledgeable insurance agent, like the ones at Harris Insurance, can discuss your options with you so that you get the right coverage for your home.
Peace of Mind
In the wake of a severe storm with flooding, there’s one thing you can’t put a price tag on: your peace of mind. Knowing that your home and property have been damaged or potentially destroyed due to flooding is, understandably, incredibly stressful and traumatic. If you don’t have flood insurance, you also have to carry the burden of knowing that any repairs are coming straight out of your pocket. Flood insurance can give you the peace of mind to get you through an otherwise dire situation.
Spring is the season of blooming flowers and budding trees, but it’s also a season of heavy rain across the country. You don’t have to live in a flood-prone area to experience springtime flooding; it can happen anywhere! That’s why it pays to have your home and property covered by flood insurance. With flood insurance, you can feel confident knowing that your home will weather whatever Mother Nature happens to throw at it.
Harris Insurance offers great flood insurance for any homeowner. Get a quote today!
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.
