Rain, Rain, Rain, Flood?

February has enticed us with a prediction straight from a furry critter in Punxsutawney, Pennsylvania; we can look forward to an early spring.  Setting all traditions aside, the transition season, especially in our state, can be a tricky one.  This area seems to be caught in the crossfire of weather change- spring snow falls and seventy-degree days mingle to create some very interesting and wet conditions.

Rain, snow, over-saturated or even extremely dry ground can all lead to excessive water conditions which can damage property and flood homes.  Even if your home is not in a high-risk flood zone there is still a risk your home could become damaged by water. 

Some things to ask yourself:

Does your neighbor have an above ground pool?  What if the pool wall ruptures spilling gallons of water toward your home?  Or what about all that snow melting next to your house – could it be seeping into your home because it was not shoveled away from the structure?  Not to mention the seemingly harmless creek trickling though your backyard.

If you are under the impression - after suffering a flood - your loss will be taken care of when the government declares the area a disaster area, you may be surprised to learn you should be wary to rely on this type of coverage.  It’s possible your exact location may not actually be part of the disaster area – even if you suffer damage.  Another possibility is that you are in the disaster zone; this will only give you access to government loans – which will be a large sum you will end up paying off in the long run.

Flooding happens everyday for countless reasons and your basic homeowners policy does not cover damage of the flood nature.   Looking into flood insurance now can be an investment for your future – safer rather then sorry or more so, soggy.

What if disaster strikes?

We understand insurance only replaces property – but sometimes your property has more value then monetary.  If faced with a flood situation, there are several steps you can take to help preserve your priceless items.  The most important items to protect are yourself and your loved ones – once everyone is safe, you will have a window to salvage water-damaged property.

It is best to act within the first 48 hours.  Be sure there is no possibility of electrocution by turning off all sources of power and avoiding any down utility lines. When your sure its safe, you’ll need to muster up all the patience you have and prepare items to dry.  Most items – without finishes or paint, can be wiped down, rinsed and allowed to air dry.  If the items have paint or a finish of any sort – allow drying, and then begin assessing the cleaning situation.  Try to keep in mind, when you’re salvaging property, prioritize the items.  Decide how damaged they are, how important or replaceable they are, and what the real likelihood of permanent damage truly is.

Unfortunately, the chances of saving soaked upholstered furniture are slim or expensive.  Consider having the piece professionally cleaned or restored if it is antique, an heirloom or extremely valuable – otherwise toss it.

For more resources on preparing, enduring, and overcoming a flood visit floodsmart.gov.

Considering flood insurance?  Contact one of our agents, and see how we can help you insure your home.

Call a Miller’s Insurance Agent Direct: (610) 269-4500

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