With tropical storm Hermine on everyone’s mind, now is an excellent time to think about rain and protecting your home against water damage. With Hermine, the flooding has started and with water on the roads, the Pinellas County EM has tweeted "Turn around, don’t drown" to remind drivers to go around roads that appear to have standing water. Hopefully, none of the flooding will be near your home this time, but, you never know what will happen in the future, making it best to stay diligent and prepared.
Risk for Water Damage
Water damage can be devastating to any home. It can lead to the creation of mold, the plaster on your home peeling and falling off, furniture damage and the like. It can lead to costly repairs that take months to complete. If you do not have the right insurance policy, it could be even worse as you are forced to pay for any repairs out-of-pocket. Our goal is to ensure that this does not happen to you both by helping you to prepare for storms like Hermine and to ensure that you have the proper homeowners insurance policy in place to pay for any damages that do occur.
When there is a tropical storm landing the size of Hermine, it’s often wise to prepare by purchasing or filling sandbags. You can place them around the exterior of your home, especially in areas that are flush with the roadway like your garage. While simple, sandbags can help to push the water away so that it does not enter your home so easily. If your driveway is at an incline or your home is below a hill, this is even more important. Using them, you can create a barrier between your home and the water around you.
Naturally, if you are in a position to build or remodel your home, and can put some distance between your home and the ground, you’ll be better off. Whether this is building a home on stilts, as is common by the water, or if it is a simple change like building a step up to your doorway, these structural changes make it harder for water to reach your home.
You should consider purchasing a water pump for your property. You can buy them easily at the Home Depot and by keeping one in the garage or your basement, you can easily plug it in and begin to move water out of your home. While you are likely to only need this in the event of a big emergency like a tropical storm, it pays to have one on hand because the faster you can move water out, the less likely it is that your home will suffer permanent damage. Things like mold, for example, can often be prevented if you can get the water out right away and then start running fans in order to dry out the space.
Finally, we can review your homeowners insurance policy and let you know what your coverage is for flooding and water damage. If it is not enough, or your deductible is higher than you would like, we can make changes and provide you with the insurance coverage you require to be fully protected. At Florida Educators Insurance, we have you covered!
My name is Gary Cucchi, I am the owner of Florida Educator Insurance, LLC (an agency of Horace Mann Insurance). As a previous coach and educator, I was impressed with Horace Mann Companies’ devotion to helping educators for over 60 years. I know first-hand that educators have busy lives, and that is why my staff and I are dedicated to helping our clients meet their insurance needs and plan for their financial future.