With what seems to be constant news of nature’s sometimes nasty behavior, there are many things you can do to prepare for emergency situations. Here are some tips to get you started:
- Check your homeowner’s policy to make sure coverage is adequate. Make sure the homeowner’s 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 homeowner’s 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 a storm arrives.
- Have a few gallons of water in case there is flooding, or your town’s 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.