Flood Protection: Shielding Your Home from Natural Disasters
The lowest level of your home is susceptible to rising floodwaters. A flood can cause significant damage to your basement before it affects the rest of your home. Learn how flood protection can safeguard your house from a natural disaster.
Understanding Flood Coverage
The cost of repairing or rebuilding a home can be high. Flood coverage alleviates costs that a homeowner is responsible for. Comprehensive coverage assists with paying for costs from the onset of a flood rehabilitation project. Here are some of the flood mitigation steps that flood insurance may cover:
- Disinfection processes
- Drying processes
- Transport and disposal services
- Outside repairs
- Onsite repairs
- Professional cleaning services
Protecting Structural Materials
Floodwaters can weaken and damage structural materials. Once water saturates them, porous and semi-porous materials can become warped.
A flood insurance policy will cover the structural materials that comprise your home’s thermal envelope. The materials that make up the basement walls and floor can be added to a flood insurance policy.
Flood protection may cover the cost of replacing compromised materials. It may also cover the expenses necessary to repair or upgrade hardware, trim work, and other features within a home.
Covering Drainage Essentials
Drain pipes, vents, and other drainage essentials are often located in a home’s lower level. During a flood, these materials could become clogged or damaged.
The flood protection policy that a property owner acquires can help cover the cost of cleaning, repairing, or replacing drainage essentials that are affected by a flood.
Customized Flood Insurance Services in Pennsylvania
Receive customized advice for your home. An assessment of the lowest level in your home will determine how much flood protection is needed. Contact one of our Stalwart Insurance agents. An agent who represents Pittsburgh, PA will schedule a flood insurance consultation.
