While spring brings warmer weather and longer days, it can also lead to heavy rain and snowmelt in many areas. With an increase in the likelihood of floods, it’s important to review your home maintenance routine to ensure you are prepared. Taking the proper steps to protect your home and assets can potentially lessen the damage and provide you with peace of mind as you head into the new season.
In addition to heavy rains, harsh winter weather may have created other damage that can lead to water in your home. As part of your spring maintenance checklist, make sure to:
- Inspect your roof: Repair any damage caused by ice or snow to prevent leaks during spring storms.
- Clean your gutters: Check for and clear debris from gutters and downspouts to prevent water from overflowing. In addition, you may want to check the slope around your home to ensure water is running away from the foundation.
- Stop leaks: Check seals around your windows and doors for cracking or hardening caulk.
- Check connecting pipes and hoses: Examine connecting pipes and hoses on dishwashers, laundry sinks, toilets, etc., for cracks, leaks or dampness.
To protect you, your family and your property, review these flood safety tips:
- Protect valuable items and documents: Use waterproof containers to store irreplaceable items and important documents.
- Stay out of floodwater: Avoid walking, swimming or driving through floodwater, and don’t go near downed power lines.
- Remove wet contents: When safe, remove wet carpeting, furniture or other items holding moisture. Mold can develop in 24 to 48 hours.
- Understand your coverage: Know how your policy will respond if a flood were to occur. If you plan to file a claim, photograph any water damage and make a detailed list of damaged or lost items.
Not all water that enters your home is considered flood.
The backup of water or waterborne materials through a sewer or drain, or overflow from a sump pump can leave your basement with water or sewage. Sewer backup can be covered by an endorsement to your homeowners policy. Determining how water entered your home is the first step in evaluating the coverage that may apply.
Gain Peace of Mind
Insurance advisors at Johnson Financial Group are here to offer additional home maintenance guidance and help you understand homeowners insurance coverage solutions to provide you with peace of mind that you and your home are protected. Contact an advisor today if you have any questions about your coverage.