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Fire & Water - Cleanup & Restoration

Precautions To Take When Your Home is In a Flood Zone

11/13/2022 (Permalink)

Living next to the beach or in a low-lying area may be a lifelong dream, but it can come with added risks. One such risk is having a home or business in a flood zone. You don't have to give up what may otherwise be a great location, though. There are several precautions you can take to minimize your risk of flood damage.

Protect Your Home

An active storm season in Missouri can test the structure of your home like nothing else. While you may not be able to fully prevent your home from flooding, there are several ways you can prepare for an upcoming rainstorm:

  • Put sandbags out as a barrier against rising water.
  • Install a sump pump in your basement or the lower level of your home.
  • Place outlets or sensitive equipment higher on the wall or on a shelf.

Also, it is necessary to have an evacuation plan, just in case the water level rises beyond livable conditions within your home. Even if your home floods, you can have measures in place to deal with the fallout.

Purchase Insurance

Flood insurance is essential if your home is in a flood zone. This coverage is not typically part of your homeowner's policy, so you'll need to purchase it separately. If your insurance company doesn't offer flood insurance, you can get a referral for a company that does from the National Flood Insurance Program.

Plan for Remediation

Flooding can be invasive and cause serious damage to your home. Have the contact information for a local flood restoration specialists on speed dial. They can assess the damage to your home and give you an estimate of how much the repairs are going to cost. They will also be able to walk you through the process-including a time line and next steps for a flood in your home.

Living in a flood zone, you have to take some extra precautions that other homeowners do not, to ensure your property remains safe. You may be able to minimize some damage by using precautionary steps. For the damage that you can't avoid, though, you need trusted cleanup professionals and an insurance policy that covers it.

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