When you live in a floodplain or near a significant body of water, flooding and the resultant water damage are a real possibility. In addition to adding flood coverage to your property insurance policy, there are several steps you can take to protect yourself financially. Here are some of the most important suggestions for mitigating flood and water damage.

How to Guard Against Flood Damage

1. Maintain the Sump Pump

The sump pit collects water that floods your home and the sump pump removes it and pumps it away from the house. To minimize flooding and damage, make sure the pit is empty and clear of debris, and have the sump pump maintained at least once a year to ensure it's in proper working order. Have the motor oiled and the belts replaced when worn, and make sure the hoses are in good condition before the rainy season.

2. Keep Electronics Off the Floor

Raise any electronics or other sensitive equipment off the floor, particularly in the basement. Then, if your home or business experiences flooding, many of the items that could have been destroyed are out of the path of the water. This will minimize the amount of moisture damage and limit the size of any property insurance claim.

3. Waterproof the Basement

Sump pumps are crucial, but the most effective way to prevent water damage is to prevent moisture from entering in the first place. Apply waterproof sealant to any below-ground concrete, and repair foundation cracks before they worsen and before you encounter a flood problem. These two tasks will keep most of the moisture from entering your basement.

If you keep sensitive equipment off the ground, waterproof your basement and foundation, and make sure you add flood coverage to your property insurance policy, you should be able to minimize the financial costs of flood damage. To discuss your coverage needs and options with a professional, contact Consolidated Agency in Rochester, NY. They've been serving businesses and individuals in and around Monroe County since 1988. They specialize in auto, liability, home, and business insurance and offer invaluable guidance when you're designing a policy. Visit their website to connect with them online or call (585) 467-4110 to request a property insurance quote with flood protection.