Thankfully, Hurricane Joaquin is forecast to go to out to sea with no direct impact to the East Coast, our thoughts go to those in the Bahamas and surrounding islands who have taken a direct hit from the Category 4 hurricane.
There is flooding forecast in our area over the weekend from a coastal storm located over North Carolina. Although it’s been very dry for the past few months, flooding can happen. Now is a good time check to see how prepared you are for potential storm.
Here’s some tips to help get started:
- Check your homeowners policy to make sure coverage is adequate. Make sure the homeowners policy includes water and sewer backup coverage. Water and sewer backup coverage protects your home from damage caused by sump pump failure (power outage, mechanical failure), or the sewer backing up into the home. This coverage is excluded unless added to the policy.
- If you are in an area that is prone to flooding, make sure you have a separate flood insurance policy. Flood damage is never covered under a homeowners policy. Even if your home has never flooded, there are examples of leaves and debris covering storm drains that caused flood damage to homes. If you are in an area that is not prone to flooding, you could qualify for a preferred rate on a flood policy.
- Always have extra batteries, flashlights and candles. You don’t want the power going out at night, and not knowing where anything is.
- If there is heavy rain, and the power goes out, or if your sump pump cannot keep up with the water entering the basement, we have found a few products that can help pump water out of the sump hole using battery or manual power:
- Battery powered bilge pump
- Hand operated pump
- If you have a generator, have a 5 gallon gas tank filled and an extra quart of 10w/30 oil on hand. Start the generator periodically to make sure it runs. You don’t want to find out the generator doesn’t work when you need it.
- Fill the cars with gas before the storm arrives.
- Have a few gallons of water in case there is flooding, or your towns water supply is contaminated.
- Have enough dry, or non perishable food to last a few days (canned items, soup, etc.)
If you have an emergency claim, or would like a review of your homeowners or flood insurance to make sure coverage is sufficient, feel free to contact our office.
Have a safe and dry weekend!