Flood insurance can be one of the best investments you make in protecting your property. However, most standard home and commercial insurance policies do not cover flooding. This will differ from one policy and area to the next. Floods are high risk and often lead to substantial loss when they occur. Paying for a policy can be a good step to take to minimize some of the risks you face. However, as a property owner, it is just as vital to take steps to prevent flood damage and reduce risks to your property.
A good place to start when it comes to protecting against flood insurance claims is with your property’s landscaping. This is what can help or encourage flooding to impact your home.
- Stand at the end of your property and look towards your home. When you do, you should notice the natural slope of the land. If the ground slopes down towards your home, even slightly, this indicates a higher risk that water will run towards the foundation, increasing flood risks. Adjusting the grading of the landscaping is a big task, but often necessary in this case.
- Take a look at any bodies of water near your home’s structure. For example, you may have a natural pond, stream or even drainage ditch nearby. If so, these areas are going to collect water at a faster rate than other areas of the property. Ensure the water has an easy and clear way of moving away from the home if there is a heavy rain.
- Take a look inside your home, too. Look at the foundation walls for signs of damage or weakness. This can happen because of changes to your landscape grading or wear and tear. Having a professional repair them is necessary.
When it comes to flood insurance, even if you take these steps, do not overlook the value and importance of it. Yet minimizing risks can actually lower the number of claims you have to make and helps you to maintain more affordable coverage. Talk to a local landscaper about grading concerns and rectifying them before the rainy season begins in your area. It could make all of the difference in protecting your home.
Protect your home from the elements. Call Knight-Dik Insurance Agency,Inc. at (800) 286-6353 for more information on Worcester home insurance.