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Is Your Home Ready for a Flood?

The losses that homeowners have experienced from floods have been quite significant, while an increase in water levels have wreaked havoc throughout the Tri-State region – even in low-risk communities. Prepare your home for a flood with flood protection measures and with flood insurance, even if you don’t think that you’re in an active flood zone. Secure a flood plan that at its most basic, covers physical damage to the insured property from floodwater. You may want to consider additional coverage to insure the contents of your home.

But before we talk about flood insurance, let’s look at ways to protect your home from damage.

Food-Proofing Tips 

Some flood-proofing work may be required in order to minimize flood damage. Here are some methods of flood control that will protect your home. 

  • Install foundation vents. Foundation vents force flood water to flow through your home, instead of pooling up around it. This provides an outlet for floodwater and relieves the significant pressure flood water can put on your walls and basement windows.
  • Apply coatings and sealants. Coatings and sealants applied to foundation, walls, windows, and doorways will help prevent floodwater from leaking into your house through cracks.
  • Raise electrical outlets/switches. All outlets, switches, sockets, and circuit breakers should be at least one foot above flood level in order to prevent significant electrical damage in the case of a flood.
  • Check pipe valves. Make sure that all pipes entering your house have valves to prevent a flooded sewage system from backing up into your home.
  • Grade your lawn. If your lawn is graded toward your home, rainwater will then pool around it. Use a heavy soil that contains clay content and sand to adjust the regrade your lawn so that surface runoff empties into the gutter.
  • Look at mulch and siding. Wet mulch can rot your house’s siding, resulting in leaks. Keep a space between your mulch and siding so that the base of your house can completely dry after rainstorms.

Flood Insurance

An insurance agent can help you determine your coverage, depending on your needs and the value of your home. Excess flood insurance is available for those who own a high-valued, expensive homes, which can provide broader coverage for both the structure and its contents, and may also provide money for additional living expenses while your property is restored. The cost of insurance, the type of coverage needed, and the limits of coverage for areas of your home that lie below the lowest elevated floor (basements/crawl spaces), all depend on federal flood maps to find your flood zone. 

About AJ Benet Insurance Agency

At AJ Benet Inc. Insurance Agency, we make sure that your New York Business Insurance policy includes more than the simple general liability and product liability. Our policies extend in cases where your underlying limits are exhausted. Our team of experts is willing to go the extra mile and not only protect your business but understand it. For more information, call us today at (914) 381-2040.

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