As spring arrives, so does the risk of heavy rains and potential flooding. It’s crucial to understand that most standard homeowners policies do not cover flood damage. Knowing how to prepare for and respond to floods, as well as understanding your insurance options, can help you protect your home this season.

Understanding Flood Coverage

Most standard homeowners and renters insurance policies exclude flood damage. This means if floodwaters invade your home, the cost of repairs will likely be an out-of-pocket expense unless you have specific flood insurance. Rockingham Insurance encourages homeowners to assess their need for flood insurance based on their location and the historical flooding data in their area.

Preventative Measures Against Flooding

In addition to securing flood insurance, taking proactive steps can significantly mitigate the risk of flooding at all and limit its damage to your home. Here are some practical measures you can implement:

• Improve Landscaping: Ensure that the grading of your yard directs water away from your home. Consider installing French drains or a sump pump system if you frequently experience standing water.
• Waterproof Your Basement: Apply sealants and other waterproofing compounds to your basement walls and floors. Install backflow valves on all pipes entering your house to prevent sewage backup during a flood.
• Check and Maintain Gutters: Regularly clean your gutters and downspouts to ensure water can flow freely away from your roof and foundation. Consider adding extensions to downspouts to direct water further from your foundation.
• Install Flood Barriers: For homes in high-risk areas, temporary flood barriers or sandbags can be used to block water entry points during a flood event. Permanent floodwalls might also be considered for long-term protection.
• Raise Electrical Components: If you live in a flood-prone area, consider raising switches, sockets, circuit breakers, and wiring at least a foot above the expected flood level in your home to help prevent electrical damage.

What to Do in the Event of an Impending Flood

If a flood is imminent, prioritize safety by ensuring that all family members know the evacuation plan. Move valuables and essential documents to a higher level in your home. After the flood, document the damage with photographs and contact your Rockingham Insurance agent promptly to discuss the claims process.

Safeguarding Your Home

Ensuring your home is well-protected involves more than just insurance—it requires proactive prevention measures as well. By understanding and implementing effective flood prevention strategies, you can safeguard your home in every season. For guidance on how to best protect your property, contact your local Rockingham Insurance agent today.