If you live in or around Harris County, you are likely well-aware of the flood risks that threaten this area. The flat terrain and proximity to the Gulf put the region at risk of storm surge and river flood risks. You don't want to see floods damage your property, but there are very few ways you can control oncoming water. What can you do, instead, to prepare your property for potential flooding?
We are not far from spring rains and the eventual hurricane season. Make it your priority in winter to reduce the flood risks around your property.
Preparing For The Chance Of Floods
Flooding could happen at any time, even when the weather is sunny. Of course, the risk will increase during times of precipitation. If you know your property faces flood risks, take the time to protect yourself.
- Clean out your gutters and check them for breaks, corrosion or other damage. The gutters exist to direct water away from your home. Enable them to do their jobs optimally.
- Inspect your home's foundation and roof. If these areas have damage, they might allow water into ordinarily-dry areas. Look for broken shingles, sags in the roof and cracks in the foundation. Call a repair service immediately for help.
- Look out for drainage ditches or wash zones. These features allow water to pass under or around the property. Like with your gutters, ensure that these areas remain free of debris.
- Inspect your windows and doors. Ensure these don't leak when wet.
- Establish an emergency flood kit. This is critical in flood-prone areas. These emergency kits might include sandbags, furniture covers, emergency contact documents, insurance policies, shovels, emergency food and generators.
Do everything you can to get your family to safety during a flood. Whether this involves staying in a secure home or evacuating, have a plan in place and the resources to act.
Will Insurance Cover Flood Damage?
If a flood damages your home, you might want to know if your property insurance will cover the damage. But if you do not have flood insurance in place, then you might not have coverage for your property or belongings.
Most standard homeowners insurance policies do not cover weather-related floods, such as river floods. To obtain coverage, you will likely need flood insurance.
In certain high-risk areas, some realtors or mortgage lenders often require this coverage. The policy will usually come from the federally-supported National Flood Insurance Program (NFIP). It will usually cover property damage, loss of possessions and similar costs.
So, if you want to further protect your home from flooding, consider getting flood insurance today. You'll be glad you did.