Owning a home is a great accomplishment, but homeownership comes with a lot of responsibilities. Let’s consider protecting your property from flood waters, for example—what measures can you take to protect your home from flooding? And how well are you protected financially from flood risk? Read on for some helpful information from home inspectors in Fresno, CA.
Financial protection and flooding
More homeowners these days are uncertain about the financial coverage they have against home flooding. Unfortunately, this is not unusual. The reason for not having flood insurance varies, but many homeowners don’t have it simply because their property is not in a flood zone. Let’s say you need to get flood insurance. In general, flood insurance is offered separately from homeowner’s and other types of property insurances, but it is offered through most private insurers.
Do you need flood insurance? That’s a great question. Properties at risk for flooding are those in low-lying areas and marked as flood zones. In these cases, though, your insurance company or mortgage lender may require you to purchase flood coverage to secure your homeowner’s policy. If you realize you do need a flood policy, get it as soon as possible—some flood insurance plans have a 30-day waiting period before the coverage actually goes into effect. It would be awful for your home to flood and learn that you won’t be compensated for the damage, so talk to your insurance company today.
Another option is to seek out a qualified home inspection company for a comprehensive flood risk analysis. A home inspector can review your property’s structure, particularly the basement and foundation, and be able to tell whether there’s a heightened potential for flooding.
Protect your property from flooding
If your home is in a low-lying area or near a large body of water, then you need flood insurance. But all homes can benefit from flood-proofing. Here are measures you can take to protect your property from flood damage:
- Safeguard interior electricity: All electrical sockets, switches, wiring and circuit breakers should be installed at least one foot above the flood level set for your area. Also, secure units like furnaces and water heaters. They too are safer sitting above the flood level set for your property.
- Elevate outdoor equipment: Plan to raise outdoor equipment above flood level. It’s recommended that you elevate and anchor air conditioning units, fuel tanks, generators and other large pieces of outdoor equipment to keep them from breaking free during flooding and contaminating the ground with harmful chemicals.
- Watch your household water: Properties in flood zones should have interior and exterior backflow valves installed. Without these devices, a flooded sewer system can send raw sewage back up into your home. Talk to your plumber about installing backflow valves. You should also determine how water flows around your house. Ideally, your house will be built so that water drains out and away from your home’s foundation. Water that is not able to flow away will either infiltrate your home or turn into standing water pools.
Looking for the most experienced home inspectors in Fresno, CA? Call the experts at WIN Home Inspection anytime to learn more about what we can do for you!
Categorised in: Floods