FLOOD INSURANCE COSTS

Intense rains are the source of major troubles throughout the world every year. Even those who believe they live far from flood zones can discover themselves in danger when rivers outgrow their banks or rain comes too rapidly for drainage canals to handle. Do you know what you would do if your home faced damaging floodwaters?

Even in regions away from flood zones, basements are notorious for water seepage when the winter snow thaws or when the ground is completely inundated with water. One of the most significant things a homeowner with a basement can execute is to make certain his or her furnace is installed on concrete blocks at least a foot off the ground. In many instances, furnace systems are installed directly on the floor. If your basement floods, your furnace is one of the most costly systems to replace. The high water will put out your pilot light causing a grave, if not dangerous, state with any gas-fired furnace. Electric furnaces and oil fueled furnace systems are potentially hazardous as well. It's also significant to keep water heaters, washer, dryers and other appliances out of reach of floodwaters.

If you do not have a basement, floodwater can still enter your home. In times of particularly heavy rain, water can build up and turn streets and roads into rivers where water flows into a home through thresholds. You should make certain that electrical outlets and light switches are at least a foot above ground level in your home. Consider installing ground fault interrupter switches to your outlets as a defensive measure if you reside in areas where flooding is a real concern.

Many times, people do not even recognize that they live in proximity to or in a flood zone. As rivers alter their size and shape from erosion, flood maps also change. While living in a flood zone is required to be accounted for during a home sale, some sellers are ignorant of the fact that they are in a flood zone and do not know to disclose it. Check local maps and verify this information to be sure.

If you are in a flood zone, you will need flood insurance. Flood insurance is expensive, but if your home floods, it can save you thousands of dollars in the long run.

There are precautions you can take to help deflect any floodwaters that may come your way. Brick or stonewalls can be built. They do require a little time, but they boost your home's value, are aesthetically appealing and can keep water from rushing towards your property.

If you live close to a road that floods or where water runs off into your yard during heavy rain or snow melt, think about excavating a drainage ditch. The water will run away from your home to the nearest stream or river and prevent flooding. Most towns and cities install the drainage systems, so if you feel your home is in danger, speak to the road commissioner about your apprehension.

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