In the last blog we posted, we talked about some of the things to you should consider when you are thinking about getting flood insurance. We discussed the types of things flood insurance covers as well as some of the statistics when it comes to floods. In this blog, we want to talk to you about some other things that you should keep in mind when you are debating investing in flood coverage.
What flood insurance does not cover
You may be surprised to learn that there are somethings that may be missing from your flood policy. Things like currency or other precious metals or valuable papers are most likely not covered in a flood insurance policy. It is a good idea to keep these in a safe container as high up in your house as you can get. A second floor or attic is best. Your insurance policy also will not cover damage that is caused by moisture of any kind that could have been prevented. It also won’t cover anything outside the property so things like trees, hot tubs or fences will need to be replaced at the homeowner’s expense.
Who needs to be insured?
We have talked about this in our previous blogs but it is worth mentioning again. At Superior Flood, we believe that everyone should invest in flood insurance since flooding can affect just about everyone at some point. But the people who should definitely have flood insurance are those that live in a low area, or floodplain, and those who have had their home flooded previously.
You never think that your home could be flooded with the coming storm but there are some things that you can do to be prepared in case you are expecting a heavy downpour.
- Keep gutters and downspouts clean and away from the house.
- Do not let water pool around the foundation of your home. Reroute the water.
- If there are low-lying areas, make sure that you keep water from pooling.
- Do a walk through of the basement and keep track of the items that you think may be compromised if you were to have a flood and move them to an area that cannot get wet.
- Inventory your belongings by going to every room with a camera or video camera and be sure to document all of the items that have any value. The recordings should be stored in a safe place or uploaded to a cloud service.
- Create an emergency box that has flashlights, bottled water, canned foods and the like so you have it if the power goes out or you need to leave your house in a hurry.
- Make a checklist of the valuables that you want to grab when you have a minute to get out of the house like purse, laptop, pictures or medications.
After you get your flood insurance policy with Superior Flood, you can be prepared by knowing what exactly your policy covers and what it doesn’t. We can also review your policy with you if you would like.