Flood and water damage are incredibly destructive to homes and personal property alike. Unfortunately, most homeowners’ insurance policies do not cover flood damage. Getting the right insurance to protect your homes from flood and water damage is as important as knowing what to do after flood damage. We’re here to help with both.
What to Do After Flood Damage in Your Home
Because water can only cause more damage to your property and your home over time, it is important to address flooding as soon as the water recedes. These are the steps to take to prevent additional damage whenever possible.
- Clear items from the affected area. This includes furniture, possessions, etc.
- Dry the affected area. Large fans and blowers are excellent choices for removing moisture from the area. If you have dehumidifiers in your home, those are great as well. Open windows to allow the sun to aid in the process as well.
- Assess the damage to your home. This includes personal property, furniture, appliances, and the structure of your home, including carpeting, flooring, drywall, cabinetry, etc. If possible, take photographs of the affected area and video to provide evidence to the insurance company.
- Call your insurance provider. Take this step before you begin addressing damage to your home. It’s one thing to prevent further damage. It’s something else entirely if you begin repairing damage without knowing how to repair water damage in your home in a way that your insurance provider approves of. When you do begin repairs, make sure you keep up with all your receipts as you may need them when filing your insurance claim.
- Clean the affected areas and keep the area clear. While some flood damage can easily be cleared away by homeowners, extensive damage may be best left to professionals as they have specialized equipment and training for how to repair water damage in your home that can prevent damage and save a lot of money in the long run.
Remember always that the number one goal in the aftermath of flooding and water damage to your home is to preserve property and prevent mold growth. Then you want to address structural issues quickly.
Do I Need Flood Insurance?
According to the National Flood Insurance Program (NFIP), nearly 90 percent of all natural disasters that occur in the United States involve flooding. Of even greater concern, as little as one inch of water in your home can cause up to $25,000 in damage. The short answer is a resounding “Yes!” You definitely need flood insurance. In fact, if you have a mortgage on your home, it is likely required. While the cost of flood insurance varies according to risk, it is much more affordable than living without it if a flood does occur.
Because most home insurance policies specifically exclude flood damage, it is important that you speak with an independent insurance agent about flood insurance before you find yourself in need of this invaluable insurance protection. We can help with your flood insurance and recovery needs. Contact your personal agent today or one of the insurance professionals here at Arnold Insurance to learn more about how to protect your property with the right flood insurance coverage.
