It makes sense to purchase flood insurance if you live in a flood plain. Most mortgage companies will require the insurance in order to protect their investment. If you have a policy, sit down and read it carefully. Make a list of the covered items and the types of flood that are covered. Storms surges, a broken levy wall or a private dam breaks and water runoff are common causes of floods. Flooding can also occur as a result of water lines breaking. City water mains or pipes inside the home can also cause flooding to damage your belongings. If any type of flooding that can occur in your area is not covered, you should consider purchasing an additional policy. Flood insurance is not limited to businesses or property owners. Renters living in potential flood areas should always have an insurance policy to protect their belongings. If the current insurance policy does not cover flooding, then a separate policy should be purchased. Many insurance companies offer bundle-types of insurance that include vehicles, car insurance deals torrance ca, boats, RVs, and homes. It is important to understand what is and is not covered under these types of policies. In the event of a flood, you can recover quickly with the right coverage.
If you live near a body of water or within a flood-prone area, it’s almost inevitable that at some point you will experience flooding.
Before a flood occurs, you need to do everything possible to prepare. Have an evacuation route planned out, and install sump pumps in basement or low-lying areas.
When flood waters invade your home, the first thing you need to do is evacuate. In fact, if you have advance warning of a possible flood, it’s Read the rest of this entry »
Floods are an unavoidable and can be unexpected, decimating homes and destroying lives. Raging waters claim more casualties every year (over a hundred), then any other force of nature. Here are just five examples of the most severe storms in the United States History:
The Johnstown Flood of 1889 is considered one of the worst disasters in U. S. history. The South Fork Dam collapsed, and the ensuing flood claimed 2,209 lives.
The Vermont Flood of 1927, which may be the worst flooding in Vermont’s history, killed 83 people, Read the rest of this entry »
The process of salvaging belongings after a flood can be a complicated one. Furniture, particularly family heirlooms or antiques may or may not be saved. One factor is the length of time the item(s) have been under water. Toxins that may have been released from sewers, leaking fuel tanks or chemicals can render any salvage impossible.
If no toxins have been identified in the flood waters and the furniture has only been under water or partially submerged for less than 24 hours, it may Read the rest of this entry »
Floods cause millions of dollars worth of damage to homes and property each year. You should make a flood plan with your family as part of a security plan. You can also include plans for severe weather and fire or medical emergencies. If everyone of your family members knows what to do during an emergency, then evacuation and safety can be accomplished much faster. The first step in emergency preparedness is to create a plan. Determine what family members Read the rest of this entry »
If you live in a flood plain, you should be aware of how to protect your most precious belongings. Insurance is something that will replace damaged goods such as appliances, clothing and furniture, but cannot replace pictures or delicate family heirlooms.
Begin by learning how deep flood waters have gotten in your area. If your attic is above these levels, store these items there and provide proper ventilation and humidity control. If the items will not be damaged by being stored inside watertight containers such as locking boxes or vacuum bags, invest in these items and label them clearly. Place Read the rest of this entry »
It makes sense to purchase flood insurance if you live in a flood plain. Most mortgage companies will require the insurance in order to protect their investment. If you have a policy, sit down and read it carefully. Make a list of the covered items and the types of flood that are covered. Storms surges, a broken levy wall or a private dam breaks and water runoff are common causes of floods. Flooding can also occur as a result of water lines breaking. City water mains or pipes inside the home can also cause flooding to damage your belongings. If Read the rest of this entry »