Protecting Your Home From Flood Damage - Five Star Claims Adjusting - Five Star Claims Adjusting
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Protecting Your Home From Flood Damage

flood-damageWhen a flood is heading towards the area where you live, it’s natural to feel anxious and start panicking about what to do to protect your home and family. However, time may be short and you need to use that time to prepare yourself and your family. Taking as many steps as you can to mitigate any possible damage will help to reassure you in the coming days and weeks, and help you feel more confident if you ultimately have to evacuate your home.

Keep Important Documents Out Of Harm’s Way

If you live in an area that is prone to flooding, one of the first things you can do to prepare for a flood is to create a flood file. This is a file that contains copies of important documents in case flood damage does affect your home. Some of the items you should place inside the file include:

  • A copy of your insurance policy
  • Contact information for your insurance agent
  • Photos or receipts for large purchases, such as furniture, electronics or other big ticket items
  • Copies of identification documents like your driver’s license and social security card

A home inventory can be a useful addition to this file. This is simply a list of the items in your home and any copies of the receipts or proof of purchase. If you have to make an insurance claim after the flood hits, this inventory will help you remember everything you should include.

Minimize Potential Damage To Your Home

flood-damage2As a flood approaches your area, there should be a projected amount of flood water expected to affect local residences. You can find out this information from local weather stations or county authorities. Raise all of the electrical components in your home, such as televisions, cords, appliances and gaming systems above this level. FEMA suggests that if possible, electrical elements should be raised 12 inches above the projected flood water level.  Place any large appliances, such as your washer, dryer, and furnace on cement blocks to keep them from getting submerged.

Get Your Family Ready For When a Flood Occurs

Mapping out your flood plans with your family is one of the most important parts of getting ready for a flood. Establish a safe route to a location where your family can meet in case of a flood. Prepare an emergency kit, with first aid supplies, canned goods, and fresh water. Assign a family member to make sure to bring it along if you evacuate. If your household includes pets, make plans for where they will go in case of evacuation.

Flood water can cause devastating damage to homes, but taking steps to prepare your home and family lessens your risk of being affected when a flood strikes. If your home has been harmed by a flood, get expert help before you file a homeowner’s insurance claim. Contact a public adjuster from Five Star Claims Adjusting to help you ensure that the claim you deserve gets paid by the insurance company.