Clean Your Gutters and Downspouts
When leaves and debris clog your gutters, rainwater can overflow and pool near your foundation, raising the risk of basement seepage. Keeping them clear helps ensure rain drains where it should.
Inspect and Test Your Sump Pump
A working sump pump keeps groundwater at bay. Power outages can render it useless, so make sure it’s tested and ideally has a battery backup. Clean the pump and pit regularly, pour water into it to test it, and ensure the discharge hose channels water several feet away and downhill.
Build a Home Inventory and Back Up Documents
After a flood, having a photo or video inventory of your furniture, electronics, and valuables speeds recovery. Store inventory and key documents (birth certificates, passports, policies, etc.) in a water-resistant container, or as password-protected digital copies.
Use FEMA’s Flood Maps to Understand Your Risk
Flood risk isn’t limited to waterfront properties. Visit the FEMA Flood Map Service Center to see where your property falls within flood zones. Even “moderate” or “low” risk means it’s still possible to flood.
Talk With Your Agent About What’s Actually Covered
Standard homeowners insurance typically does not include flood coverage. It’s smart to check your policy, ask your agent what’s covered, and consider a flood Insurance policy if needed.
A Few Last Thoughts
Flood preparation isn’t just about storm season; it’s about protecting your investment year-round. Even if you’ve never had water damage, these proactive measures can help safeguard your home and make recovery faster if the unexpected happens. And while no plan can prevent every risk, small actions now can save significant time, stress, and money later.
Consider these final takeaways as you wrap up your flood readiness checklist:
• Flood risk isn’t reserved for coastal or riverside homes. Even heavy rainfall, poor drainage, or grading issues can lead to flood damage.
• Taking easy but powerful steps now can save hassle, time, and expense later.
• A friendly check-in with your agent ensures you’re not caught off-guard. Knowledge is your best protection.
By cleaning gutters, testing your sump pump, organizing documents, using FEMA tools, and understanding insurance coverage, you’re building a solid foundation for flood preparedness. Being proactive now means you’ll be ready when the next storm rolls in. Contact Westwood today to learn more.
Please Note: This article is for general informational and educational purposes only. It does not represent any specific insurance policy and does not modify any provisions, limitations, or exclusions of any current policy.
