Things to do before hurricane season starts: how to prepare for flood damage

Many people lose everything each year due to flood damage. It only takes a couple of inches of water to cause thousands of dollars of damage. Floods can happen anywhere, whether you live in a floodplain or not. Floods can include heavy rains, storms, or inadequate drainage systems.

We encourage you to be proactive and find out how much flood insurance is in your area. Did you know that a flood policy could cost as little as $ 300 a year?

After obtaining flood insurance, there are several things you can do to minimize losses to your home and ensure the safety of your family.

1. Protect your possessions

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

A copy of your insurance policies with the contact information of your agents. A Home Inventory – For insurance purposes, be sure to keep a written and visual 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 them value jewelry and artwork. These documents are vitally important when filing insurance claims. Copies of all other critical documents, including financial records or important purchase receipts.

2. Prepare your home

Make sure your sump pump is running first, and then install a battery backup, in the event of a power outage. Installing a water alarm will also let you know if water is collecting in your basement. Clear debris from gutters and downspouts.

Anchor the fuel tanks. Elevate your electrical components (switches, sockets, circuit breakers, and wiring) at least 12 inches above your home’s projected flood elevation.

Place oven, water heater, washer, and dryer on cinder blocks at least 12 inches above the projected elevation of the flood. Move important furniture, valuables, and documents to a safe place.

3. Develop a family emergency plan

Create a safety kit with drinking water, canned food, first aid, blankets, a radio, and a flashlight. Post emergency phone numbers by the phone and teach your children how to dial 911. Plan and practice a flood evacuation route with your family. Know the safe routes from home, work, and school that are on higher ground.

Ask a family member or friend who lives out of state to be your emergency family contact.

Have a plan to protect your pets.

Also, flood insurance is generally not included through homeowners insurance, so make sure you’re protected this year. The Weather Channel predicts that this hurricane season will be tough.