As a homeowner, you’ll do everything you can to keep your home and your belongings safe. However, no matter how careful you are, accidents can happen. For many people, nothing is more common and annoying as indoor floods. While a valid homeowners insurance policy will protect your belongings and reduce your out-of-pocket expenses for repairs, it’s helpful if you can avoid the flood in the first place. Here are a few of the most common causes of indoor floods and what you can do to prevent them.
3 Causes of Flooding Inside the Home
1. Broken Pipes
When properly maintained, your pipes supply water throughout your home on-demand. However, if they burst in freezing temperatures or due to structural damage of the pipe itself, your home can be sopping wet very quickly. To avoid having to file a homeowners insurance claim for a burst pipe, schedule routine plumbing inspections with your trusted plumbing contractor. They’ll identify damage and soft spots before the pipe has a chance to rupture.
2. Improper Exterior Drainage
Your gutters are responsible for funneling excess water away from your home. However, if they’re damaged or clogged, the water may not be going where it needs to. All that rainfall and roof runoff can seep into your basement, leaving you with inches of water on the bottom floor of your house. To prevent this, schedule a gutter inspection with your roofing contractor. If anything needs to be fixed or the gutters are clogged, they’ll make the right repairs quickly before the next severe storm.
3. Damaged Foundation
Cracked foundations make it easy for water to seep up through the dirt and into your home. The only way to prevent this type of flood is to work with a foundation repair specialist to address any cracks or damage that may form over time. Don’t worry—most homeowners insurance policies will cover the cost of repairs.
The insurance brokers at Michel Insurance Agency in Florence, KY, are ready to help you find the best homeowners insurance possible. As a family-owned insurance agency, they pride themselves on individualized attention for every one of their clients. Whether you’re looking for additional flood insurance to supplement your homeowners policy or want to reevaluate your auto insurance coverage after a rate increase, help is just a phone call away. Learn more online and call (859) 371-9458 for a free quote.