You may be thinking, ?What do I need flood insurance for if I live in Arizona in the desert?? Keep in mind that wherever you may live, a flood can occur. Floods are not always caused by Mother Nature. A busted kitchen pipe or water heater can inundate your whole first floor if you aren?t careful. That?s why it?s important to follow these home security tips to help prevent a flood in your beloved home.
If you do happen to live in a low elevation area or somewhere that is affected by tropical storms or heavy rainfall, it?s probably a good idea to purchase flood insurance. Don?t assume that your home insurance covers flood damage. Most do not. Flood insurance is typically a separate type of coverage altogether. In fact, a study done by the National Association of Insurance Commissioners a few years ago found that 33 percent of Americans think that flood insurance is included under home owners insurance.
It?s also a good idea to purchase a home alarm system. Another common misconception is that alarms only protect against burglars. Did you know that alarm systems also protect against carbon monoxide, fires and floods? These systems can be vital in keeping your home dry and your possessions out of harm?s way. Here?s how it works. A monitor is set up to detect water or moisture in flood-prone areas of your home, such as the basement or the location of your water heater. Your system will alert you if the monitor detects a leak, which will help you to take action before any major water damage occurs.
Even after your home alarm is installed and you?ve bought your flood insurance, there are still a few things that you can do to prevent flood damage. Make sure that all your irreplaceable documents remain in a dry, sealed place where they cannot become wet. These documents might include: birth certificates, social security cards, old portraits and bond certificates.
There are a few adjustments you can make to your home as well. Some home experts suggest moving the water heater to an upper level of your home, instead of the basement. The logic is that basements are flooded easily. However, if you move it to the attic, you run the risk of it exploding up there and the water coming through the ceiling. So, you?ll have to weigh your options with that tip. Another home security tip is to use a water-proof compound along the edges of all basement walls to prevent leakage.
Be prepared for emergencies. Have an emergency kit stored in a location where it can easily be found in case of a power outage, especially if you live in a high-risk area for flooding. Make sure to include a flashlight, batteries, first aid supplies, emergency food and water, a non-electric can opener and some spare cash. Additionally, you should have an evacuation plan prepared ? not only out of your home, but also out of town.
Even if you can?t afford flood insurance, there are great benefits to having a security system installed in your home. It will undoubtedly keep you protected from floods and so much more.
Oswald Melman -
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