Nobody expects or wants to find several inches of water in their living room, but sadly it happens. In fact, floods are thought to be the number one form of natural disasters in the United States. Unfortunately, water damage can happen to anyone, especially those who live in flood zones in Canby OR. The best way to protect your family and your home against a flood is to be prepared; know what to do before, during and after a flood.
Plan Ahead
Planning ahead and being prepared is the most important thing you can do when it comes to a flood and one of the first things to do is buy flood insurance. Many people assume that their homeowner’s insurance will cover damages caused by a flood, but it does not. Whether you live in a flood zone or not, it is highly recommended that you talk with an Oliver Insurance agent about flood insurance before a flood strikes. Other ways to plan ahead include:
- Build on high ground. If building new, it’s best to avoid building your home on low-lying land, next to a river-even in areas that have been dry for several years.
- Protect electrical appliances-by elevating electrical systems and your HVAC system, you can reduce the risk of short circuits and potential fires.
- Build a barrier to prevent water from entering your home, you can build a barrier either with compacted earth or masonry.
- Seal your home if you are in a flood zone, you can provide additional protection by sealing your home. This may include installing water shields over the doors and windows and/or coating the walls with a waterproof sealant.
What to do During a Storm
It is important to be alert and get updated information consistently, in case you need to evacuate. Keep in mind that you don’t need to wait for further instructions to move to higher ground. Even if there isn’t an evacuation issued, move to upper floors or leave the residence. Areas can fill up quickly with flood water, so do not attempt to walk or drive near flooded areas.
Following a Flood
Once it’s safe to return to your home, the first thing to do is file an insurance claim. The insurance company will want a general description of the damages and will generally have an adjuster come out to evaluate the damage. Be sure to document all damages before making any repairs-if possible take photographs and/or videos of the damages. Contact a local, reliable contractor to evaluate the damages and provide an estimate for repairs.
Restorations from a storm and/or flood can be significant as well as overwhelming. It’s best to try and remain as calm as possible and take everything step-by-step. It is important that you stay in constant contact with your insurance provider and do not make any permanent repairs until an adjuster has reviewed the damages.
Residents of and around Canby, OR interested in purchasing flood insurance should contact Oliver Insurance.
