Spring Flooding Tips: Stay Ahead of the Melt |

Jessica Henel Personal Insurance Marketer View Bio

As spring rolls in, we have a tendency to forget about snow. However, as the last of the snow melts, the possibility of spring flooding in basements and yards increases greatly. Here are some tips on how to stay ahead of the flood so you are prepared if anything should happen in your neck of the woods.

Consider Flood Insurance

Home insurance policies DO NOT ALWAYS come with flood coverage. It is important that you speak with your insurance broker and educate yourself on what your homeowners insurance covers. If you live in a flood zone or want to know more about flood coverage on a home insurance policy, talk with one of our flood insurance specialists here.

Safeguard Your Possessions

Create a personal flood file containing information about all your possessions and keep it in a secure place, such as a safe deposit box or waterproof container. This file should have:

A copy of your insurance policies with your agent’s contact information
A household inventory: For insurance purposes, be sure to keep a written and visual (i.e., videotaped or photographed) record of all major household items and valuables, even those stored in basements, attics or garages. Create files that include serial numbers and store receipts for major appliances and electronics. Have jewelry and artwork appraised. These documents are critically important when filing insurance claims. For more information visit www.knowyourstuff.org
Copies of all other critical documents, including finance records or receipts of major purchases

Floodproof Your House

First, make sure your sump pump is working and consider adding a battery-operated backup, in case of a power failure. Installing a water alarm will also let you know if water is accumulating in your basement
Clear debris from gutters and downspouts
Anchor any fuel tanks
Raise your electrical components (switches, sockets, circuit breakers, and wiring) at least 12 inches above your home’s projected flood elevation
Place the furnace, water heater, washer, and dryer on cement blocks at least 12 inches above the projected flood elevation
Move furniture, valuables, and important documents to a safe place

Develop a Family Emergency Plan

Create a safety kit with drinking water, canned food, first aid, blankets, a radio, and a flashlight
Post emergency telephone numbers by the phone and teach your children how to dial 911
Plan and practice a flood evacuation route with your family. Know safe routes from home, work, and school that are on higher ground
Ask an out-of-state relative or friend to be your emergency family contact
Have a plan to protect your pets

For more information on emergency preparation, talk to your insurance broker or visit Ready.gov.

_{Source: Floodsmart.gov, 2015, https://www.floodsmart.gov/floodsmart/pages/preparation_recovery/before_a_flood.jsp}