With spring comes increased rainfall and winter thaws, which translates to water accumulating in places it shouldn’t – namely your crawlspaces, basements and even areas of your yard. You may have flood insurance and homeowner’s insurance, but you still don’t want to have to hassle with claims if you don’t have to. 

 

Here are some tips on preventing spring water damage. 

  • Basement pumps. Install a sump pump or sewer backflow value, keeping a battery-operated backup on hand in the event of a power failure. You may want to install a water alarm that warns you when water has started to accumulate in your basement. 

  • Basement storage. Keep valuable items up off the floor or out of your basement altogether – especially electronics. You should do this all year round or at least prior to spring-thaw warnings. 

  • Debris removal. Remove debris from gutters, window wells and downspouts. 

  • Doors and windows. Check for leaks around doors and windows. 

  • Exterior walls. Make sure the exterior walls of your home are well painted and sealed. 

  • Flood drains. Ensure your flood drains are working properly. 

  • Foundation cracks. Check the foundation for cracks that could let water seep in. Get those cracks repaired ASAP.  

  • Fuel tanks. Permanently anchor fuel tanks you may have. 

  • Grading. Check the grading around your home, making changes if need be. Water should be encouraged to flow away from your home. 

  • Landscaping. Trim trees, bushes and shrubs away from your home; do not store wood or compost piles against the home. If planting new vegetation, plant it at least three feet from your home.

  • Roof. Regularly inspect your roof so it stays in good repair. Replace missing shingles, keep flashing sealed and repair any damage.

Dangers of Recurring Basement Flooding

If your home is built too close to bodies of water or if it’s in a flood zone, you are at risk for recurring basement flooding. This can be a serious problem for many reasons. Not only can frequent water in your basement reduce your property value, it can permanently damage the foundation of your home. Standing water also leads to mold growth, which can cause respiratory problems in individuals living in damp homes. Too-frequent insurance claims regarding basement flooding also tend to increase premiums and deductibles. 

Plan Ahead to Safeguard Possessions

Keep a detailed file containing an up-to-date list of all your possessions, and store it in a safe place, like a safe deposit box or water-proof container. You should include: 

  • Copies of your insurance policies

  • Your insurance agent's contact information 

  • An inventory of your major household possessions and valuables, along with photos or video. Include store receipts and serial numbers for major purchases. Get appraisals for valuable artwork or jewelry. 

  • Other important, irreplaceable documents such as personal documents and financial records.

Contact Bearce Insurance for Homeowner’s Coverage

 

To learn more about our flood insurance and homeowner’s insurance policies, contact us locally at 508-586-3400 or toll-free at 800-498-9900, or get an online quote today.