According to the National Flood Insurance Program, flooding is the most common natural disaster in the United States. Homeowners insurance does not cover damage due to flooding.
As a general rule you need to purchase a separate flood insurance policy to protect your home and belongings.
Flooding losses can be devastating. In fact, between 2001 and 2010 losses from flooding in the United States were a staggering $2.7 billion.
This year, heavy rains have returned to Southern California and flooding losses are beginning to mount. The San Diego area has been experiencing record rainfall and the risk of loss from flooding continues to grow.
The best way to prevent flood damage is preparation. In many cases, taking precautions to protect your home can be accomplished in just a few hours to a few days.
Here are some steps to protect your home from the dangers of flooding.
- Take Early Precautions: The time to prepare is before an event happens, so “flood-proof” your home’s major systems. Elevate your furnace, water heater and other permanent equipment, such as generators, above expected flood levels for your area. Test sump pumps to make sure they are operating properly. If you own a generator, have a transfer switch to your sump pump installed; in the event of power loss you can operate it to protect your home. Install a back-flow valve to prevent sewage backup.
- Have A Plan: Be prepared! Put a plan in place and review it with your family. Plan and practice an evacuation route and include a meeting point in case family members separate during evacuation. Review with family members how to shut off utilities in the event of an emergency. Plan a survival kit, which should include important documents like insurance policies, critical medication and other items like cash and credit cards you’ll need if you’re forced to evacuate.
- If Evacuation is a Possibility, Take These Last Minute Precautions: Clear gutters and rain spouts, move valuable furniture, rugs and electronics to upper floors or at least raise them off floor level. Shut off your electricity at the breaker panel and try to elevate major appliances onto concrete blocks if they are at risk.
After a flood, assess any damage and promptly report any losses. If cleanup is necessary, contact a water damage restoration specialist to begin the cleanup process. Flood damage restoration needs to begin as early as possible to salvage your possessions.
Contact Certified Restoration for flood and water damage remediation. We’ve been serving the San Diego area for more than 20 years, offering 24/7 emergency service. Our policy is to be there within the hour. We’ll take immediate action to minimize any damage to your home and begin reparations so you and your family can have your residence back to normal as quickly as possible.