The Midwest has seen tremendous rain and flash flooding during the last few months. Flooding can happen without notice, and protecting your property is essential.
If you’re concerned about flooding, there are several things you can do to protect your home and family.
1. Understand what risks your home has to flood. This interactive flood map lets you determine your home’s risk level.
2. Purchase flood insurance through an independent agent. They’ll help you navigate the confusing language of flood insurance so that your family can be properly protected against any potential losses caused by flooding. Even if you’re not required to have it, it’s still a good idea to consider purchasing flood insurance protection. In addition, renters should consider purchasing flood insurance to protect their property. If you are a renter, you can buy a policy from the National Flood Insurance Program (NFIP) to cover contents up to $100,000.
3. Make sure you have a plan in place if flooding occurs. You should also have an emergency kit ready to go so that if something happens, you and your family can get out of the house quickly and safely.
4. If you experience flooding, learn how to check for damage to your home. If there’s standing water inside and it’s dark brown or black in coloration, it’s probably sewage contamination from another source (like a broken pipe). This may be dangerous for your family’s health so it’s important that you contact a professional mitigation company to help clean up the damage.
Note: When flooding is caused by a broken pipe or an overcharged sewer system due to a nearby flash flood, you should contact MSD to see if you are covered by their insurance.
As a real estate service provider, we have access to flood maps through the MLS and can advise you while you are house shopping or looking for a place to rent.