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Everyone wants to save a little money and there’s nothing wrong with that. What’s wrong is the way that some homeowners go about it. Not investing in a policy which covers storm and flood damage is a mistake that many have realized after the fact. Typical policies of this sort protect the holders against the cost of home repairs in the case of a flood or storm. It is also possible to get contents insurance, which will offer remuneration for valued items damaged during the disaster.

While having insurance can give one a level of peace of mind should the unthinkable happen, it doesn’t make up for the hassle or the loss of sentimental items. The best way to do this is to reduce the possible damage which can be caused. No one can guarantee that there will be no damage but there things one can do to mitigate the effects:
• Ensure that the roof is in good condition with no leaks and loose or missing tiles.
• Do regular inspections of the home to make certain that there are no cracks or other ways for water to seep into the foundation if there is a flood.
• Keep all gutters and drains free from debris as clogging can cause water to back up into the home.
• Trim any trees around the house and keep them at an acceptable height so there is no risk of branches flying or of having the tree fall on the house.
• If one lives in an area which is prone to storms, consider investing in storm shutters.
• Ideally appliances should be turned off during a storm. If there is even the remote possibility of flooding the electricity main should be shut down. Remember that water is a great conductor and can lead to electric shocks or even death.
• Small valuables should be kept safe in a watertight container. Don’t forget to include the insurance policy in there. It will be needed afterwards.

Remember that if one suffers serious storm or flood damage, alternative accommodations will be needed. Be sure to have this included as part of the insurance policy. While these added elements will hike up the insurance premium, it is better than not having coverage should the worst come to pass. Call the insurance company as soon as the storm or flood has subsided so they can file a claim. Make sure that pictures are taken of all damaged items before throwing them out. Where it is safe to do so, damaged items should be kept until an insurance agent has made an assessment.

Updated: February 19, 2010 — 9:46 pm
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