What surprises most homeowners is that flood insurances doesn’t come standard on a homeowner insurance policy. With standard home insurance, you are covered if there is a fire, damage from a windstorm, hail, theft, or vandalism. You are not covered when there is a flood in the house. At least, not without additional flood insurances.
A flood insurance policy can fix flooded house issues directly related to or caused when your house is flooded with water. It will cover the structure of your home, the foundation, furnaces, water heaters, plumbing systems, and electrical. Moreover, it will also cover your personal belongings when there is a flood in the house. You can also expect flood insurances to compensate for permanently installed structures such as cabinets, bookcases, stairs, fuel tanks, detached garages, and solar energy equipment. Flood insurances will also assist with water removal and mold remediation if needed. Suppose you are displaced, and your home is uninhabitable due to a house flooded with water. In that case, you can get additional living expense coverage to cover hotel expenses, travel, food costs, and replacement clothing.
Don’t wait until you have a house covered or flooded with water to add flood insurance. Protect yourself and your family’s home and financial future with flood insurances.
Flooding can be an expensive and hard-to-repair problem that requires you to act fast. Whether you want to learn how to prevent flooding from rain or install one of the latest flood prevention systems for homes, you need to call a basement waterproofing company and let them choose what’s best for you. Avoid dealing with a flood inside house situation and be prepared.
Have a Checklist
A flood can happen at any time. Moreover, the damage from flooding can be devastating. Get a flood preparedness checklist and take notice of everything you will need for your home. Having a list will help you call the authorities and professionals faster while avoiding panic.
Protect Your Valuables
Flooding can damage your valuable assets and pieces of furniture if you don’t act fast. Water damage can compromise your home’s structure and cause expensive interior damage. Be smart and protect your valuables and home by calling a water treatment service when you notice a flood.
Dealing with a flooded basement or living room can become a nightmare for most homeowners. Avoid dealing with the stress of fixing your damaged basement and call a professional water treatment service. For more information about how to prevent flooding, contact us.
Maintaining a home is hard work. You need to pay off your mortgage, regularly cultivate your lawn and occasionally check your sewers or electricity for encroaching damage. That’s not even where it ends! Flooding, fire and mold are all regular (and frustrating) occurrences for homeowners across the country. These natural elements can cost you money, damage your foundation and even put you at risk for injury if not checked. You’re not alone, however. Fire damage services and basement flood cleanup are just a few of the services regularly available to American homeowners.
Water Damage And Flooding
Ever had your basement fill up with water after a bad rain or snow session? According to recent industry estimates, over 14,000 people in the U.S. experience a water damage emergency at home or work every single day. Likewise, a whopping 98% of basements in the country will suffer at least some form of water damage during their lifetime. Overall? Water damage and mold both cost the insurance industry over $2 billion every single year. Avoiding these occurrences take a proactive mind and a cautious eye — leaks and spills should be attended to immediately to avoid future flooding or mold buildup.
Fire Damage And Restoration
Now how about fire? This scary natural occurrence can crop up anywhere at any time, quite literally burning up thousands of dollars in property damage and putting people and pets at risk for burns. While fires can be started by a variety of different methods, the most common include — unattended ash trays, chain smoking, electrical malfunctions, neglected stove tops and poorly maintained fireplaces. The average number of residential home fires has totaled 374,000 as of recent years, even though the vast majority can be easily avoided. Fire damage services are a prime resource for pinpointing fire hazards in your home, installing essential technology and spreading awareness.
Mold Damage And Avoidance
The last thing you want growing in your home are mold spores. There are hundreds of different kinds of mold, all with unique properties and appearances. In spite of this, mold generally begins to grow after a day or two in an untreated moist environment — cold, moist and unattended environments are perfect breeding grounds for this frustrating element. Mold is known to aggravate asthmatic conditions as well as irritate the lungs and sinuses, considered a health hazard by most medical professionals. Even a small spore can lead to a big problem if the source isn’t eliminated.
Common Illnesses And Cures
Did you know the National Resources Defense Council reported nearly two million cases of illnesses being caused by sewage contamination alone? Cleaning sewer lines is a must to avoid some of the more severe issues that can occur. Mold can negatively impact the elderly as well as children with asthma or breathing conditions. Last, but not least, fire can destroy property and put any and all residences as well as nearby neighbors at risk for burns. Taking care of your home is both a chore and a precaution to keep everyone safe and healthy. Sewage cleanup services and fire damage services alike can help you get there faster.
Creating A Safer Home
If you want to stay healthy you need to keep your home clean. Water damage and flooding can be avoided by regularly checking your basement for leaks and spills, particularly during the wetter seasons. Any and all mold should be eliminated, even if that means throwing out furniture that has become infected. The Civil Engineering Research Foundation has reported the number of backed up sewers is increasing at an exponential rate of 3% every year, so double-check your sewer line system for clogs or cracks. With a little work, you can keep both yourself and everyone you know safe from common household hazards. Check out fire damage services, sewer backup cleaning services and flood cleanup services next time you have a free moment and see how they can help you.