As winter fades away and the arrival of spring weather brings blooming flowers – there is also an increased risk of flooding. Being prepared can significantly reduce the potential damage to your property and ensure your safety. 

Here’s a comprehensive guide to help you navigate the flood season effectively.​

Before Spring Storms

Before the spring rains begin, it’s crucial to review your insurance coverage. Schedule a consultation with our independent insurance agents to gain a clear understanding of your policy’s specifics. It’s important to note that standard homeowners’ insurance typically doesn’t include flood damage, so you may need to purchase a separate flood insurance policy. Be aware that most new flood policies take about 30 days to go into effect, so planning ahead is key.

Protecting the valuables in your basement is another essential step. Consider storing electronics, important documents, and other items of value in waterproof containers to guard against potential water damage. In addition to physical protection, take the time to document your possessions. Create a detailed inventory, including photographs, which will be invaluable if you need to file a claim following a flood.

Installing preventative measures can greatly reduce your flood risk. Equipping your basement with a sump pump is a proactive defense against water buildup. It’s also wise to have a battery-powered backup pump in place in case of a power outage. To go a step further, install sewer backflow valves to help prevent sewage from entering your home during extreme weather conditions.

Don’t overlook your drainage systems. Clear out any debris from gutters, downspouts, and storm drains on a regular basis to ensure proper water flow away from your foundation. Lastly, prepare your vehicle for flood risks by parking it on higher ground and removing critical documents such as your car registration to avoid water-related damage.

After a Flood Occurs

Once a flood occurs, your first priority should be safety. Avoid driving through flooded streets, no matter how shallow the water may seem. Water depth can be deceptive, and even a few inches of water can damage your vehicle or pose a serious safety threat.

If your home or vehicle has been affected by floodwaters, act swiftly to file insurance claims. Contact your provider as soon as possible and thoroughly document any damage with photos before starting any repairs. This step is crucial to ensuring that your claims are processed smoothly and fairly.

If your car has been submerged, do not attempt to start it. Doing so may cause further damage. Instead, photograph your vehicle in its flooded state, making sure to capture the license plate and the waterline. These images will help validate your claim and show the extent of the damage.

Lastly, inspect your vehicle for signs of water contamination. Check the oil level — if it reads unusually high, this could be an indication that water has entered the engine, which can cause significant mechanical problems. Taking these steps can help mitigate post-flood issues and set you on a faster road to recovery.

By taking these proactive steps before and after a flood, you can better protect your property and ensure your safety during the spring flood season. Remember, preparation is key to mitigating the impacts of natural disasters.