A Flooding Primer – The Basics
Flooding is the single most common natural disaster in the United States, occurring in all 50 throughout the year and for any number of various reasons. Flood losses run an average of $2.7 billion or higher every year. Flood waters are also powerful enough to move a full size car in depths of less than two feet, and six inches being enough to knock down a full grown man. Finally, flooding on the scale of federal disaster areas is not what takes most of the lives or causes most of the injuries every year.
The worst part about all of this is that most people are not properly equipped and insured against flood related damage, as they mistakenly assume it is covered under their homeowners insurance policies. This is of course an error. Flood insurance must be obtained in addition to the regular policy, at an additional premium, and it often takes about 30 days for it to become active, leaving the homeowner vulnerable for an additional month before they can file any sort of claim for flood related damages.
Flood coverage is available through many communities with the National Flood Insurance Program (NFIP) that provides coverage to homeowners, renters, and businesses. Floodsmart.gov allows users to determine their flood risk and see if their community participates in the program, as well as providing contact information for insurance agents that can answer any and all questions regarding flood damage and coverage.
Most flood damage policies are around $120 annually, which is well worth it when you stop to consider the enormous potential loss to your property and possessions as the result of flooding. NFIP flood insurance can cover your home for up to $250,000 for the structure and $100,000 for the contents.
If the first contact information you obtain is for flood coverage, then the second piece of info you want to secure is the contact number for your local, Clean Trust certified water restoration company, someone who can handle any and all aspects of your water damage restoration problems no matter how large or small. The ideal provider will be certified by an industry leader such as the Clean Trust or Restoration Industry Association (RIA), be available 24/7, have a full staff of technicians proficient on the latest water damage tools and procedures, and offer a full range of services designed to get your home back to its pre loss condition.
They should be able to have somebody out to your property within an hour of your call to assess the problem, begin water restoration procedures, and also work alongside your insurance provider to make sure that everything is covered and provided for, allowing you and your family to resume your normal life as soon as possible.