Floods can be unpredictable and devastating, but a little preparation can go a long way in protecting your home and making the insurance claims process smoother. At Magic City Insurance Group LLC in Birmingham, AL, we understand the stress natural disasters can bring—and we’re here to help you stay one step ahead.
How to Prepare for Floods
Start Outside: Direct Water Away from Your Home
Before a storm hits, check your gutters and downspouts. Please make sure they’re clear of debris and directing water at least six feet away from your foundation. If your yard slopes toward your house, consider adding landscaping or drainage solutions to redirect the water flow.
Safeguard the Interior of Your Home
Inside your home, move valuables and important documents to higher ground or upper floors, especially in flood-prone areas. Elevate major appliances and electrical systems off the ground if possible. If you have a basement, a sump pump with a battery backup can be a game-changer.
Document Everything Before and After
Take photos or videos of your property before disaster strikes. This helps prove the pre-flood condition of your belongings, which can be incredibly helpful when filing a claim. After a flood, document the damage as thoroughly as possible before you start cleaning up.
Review Your Insurance Coverage
Standard homeowners’ policies don’t typically cover flood damage, but flood insurance can provide that extra layer of protection. Review your current coverage and consider options that could provide better protection for your home.
Preparing for a flood doesn’t just reduce damage—it can also make your insurance claim faster and more accurate. For more information on how flood insurance can help, contact Magic City Insurance Group LLC in Birmingham, AL today. We’re here to help protect you.
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