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Floods are a common natural disaster faced by homeowners, and a structure is vulnerable to them any time there’s heavy rain. However, only 12% of homeowners insurance policies include flood protection. The insurance agents at Hummel Insurance Services in Oakland, IA, have seen firsthand how often clients underestimate the value of flood provisions and share advice on protecting your home from water damage due to storms and high water.

5 Tips to Prepare for the Rain & Flood Season

Clean Gutters

Your home’s gutter system is designed to catch rain and distribute it off your roof and away from your foundation. However, this can’t happen if the gutters are clogged with dirt, leaves, and debris. That’s why it’s vital to clear your gutters periodically throughout the year.

Check for Leaks

With spring and summer storms on the horizon, inspect your home for evidence of leaks. Look for peeling paint, water stains on ceilings and walls, light coming through the attic, and dampness in your basement. If you find places where water can enter your house, have them repaired immediately.

Seal Windows & Doors

Homeowners insurance Oakland IADoors and windows are access points to your home for not only people but water, so they must be sealed sufficiently. Inspect them carefully for cracks and gaps between the framework and plug them with caulk or weatherstripping.

Move Valuables Up

If a flood alert is issued for your area, move your valuables to higher ground, such as the second level of your home. This will reduce your property damage even if water enters your house.

Purchase the Proper Homeowners Insurance

Review your homeowners insurance coverage and speak with an agent about the benefits of adding a flood policy. A flash flood happens unexpectedly, leaving destruction in its wake, but flood insurance will protect you from a significant financial loss.

Preparation is the key to mitigating financial losses from storm damage when heavy rains and floods arrive. The best way to be ready is to have a homeowners insurance policy that includes flood protection. Call Hummel Insurance Services at (712) 482-6424 to discuss plans with an agent. You also can request a quote online, where you’ll find information about other policies, including car insurance and life insurance.  

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