As floods become more frequent and severe with climate change, protecting your home becomes even more crucial. Rising sea levels, heavier and more frequent downpours, and a national landscape paved with asphalt are making homes more vulnerable to flood damage than ever before. Flood damage can range from the somewhat manageable to the full-scale destruction of a home.
Even minor damage can cost thousands of dollars to repair. However, homeowners do have some ways to reduce the damage. Speak to a Delaware insurance agent before damage has been done, and take these precautionary measures, particularly if you are a coastal homeowner.
Raise HVAC Equipment
Utilities, boilers, central air-conditioning units, along with other HVAC equipment are typically installed at the lowest level of a home, which makes them particularly vulnerable to flood damage. Bring them to higher ground level, either by building platforms, or by moving them to another floor. Contact a contractor to advise on these logistics.
Sewage Water Backstop Installation
Cities with persistent flooding may offer programs to fund the installation of backflow prevention valves and other devices that keep overtaxed sewer mains from backing up into your home. If you encounter drainage backs up after heavy rains, install one of these devices with help from a licensed plumber.
Porous outdoor surfaces help water seep into the ground instead of flowing toward your home.
Reduce potential flood damage by:
- Digging depressions known as swales to channel stormwater runoff away from your home;
- Converting concrete or asphalt driveways to gravel or brick;
- Using absorbent mulch;
- Placing a rain barrel beneath a gutter downspout.
Insurance for coastal homeowners is a must. It is common for individuals in high-risk areas to assume that government-issued disaster assistance will cover the cost of damage from a flood. However, that is a false assumption that could leave you devastated. It is strongly advised that everyone have at least enough flood insurance to cover the contents of their homes.
In addition, keep in mind that many typical homeowners insurance policies do not cover flood damage. A separate flood insurance policy may be required in order to keep you and your home fully protected.
Government agencies continue to look to the past to predict future flooding patterns, even with the realities of climate change.
Begin to take power into your own hands by contacting your local emergency management office or environmental group to demand further sustainable development, including public landscapes with natural and water-permeable surfaces and smarter urban stormwater infrastructure. Voicing your concerns sooner than later will go a long way. Speak to your neighbors about sustainable development what they are doing to combat flooding. Collective efforts will make your community more resilient.
About IFS Insurance
At IFS Insurance, we specialize in protecting homeowners and renters throughout Delaware, New Jersey, Pennsylvania, and Maryland. Our quality solutions and commitment to excellence has allowed us to serve these states for over 50 years. For more information about our products, we invite you to contact us today at (800) 598-0420