10 Things to Know About Spring Flooding

A flooded home can happen at any time of year from a variety of sources. However, the fact is, springtime weather is generally considered the season of highest risk for flooding and resultant home damage. Only a few inches of water inside a flooded house may inflict many thousands of dollars of water damage. Here are 10 things to know about flooding in this volatile season:

  1. As warming spring temperatures melt snow, the ground beneath is often still frozen hard. Therefore, water from snowmelt doesn’t soak into the soil, it runs off into streams, rivers, and lakes. These bodies of water swell rapidly and overflow, causing local flooding.
  2. Rainstorms in spring are often intense and may drop several inches of rain in a short period. Heavy rain quickly oversaturates the ground, causing extreme run-off that swamps local storm drains and triggers damaging flash floods in vulnerable areas.
  3. In most cases, your homeowner’s insurance won’t cover water damage due to outdoor flooding. The National Flood Insurance Program (NFIP) managed by FEMA (Federal Emergency Management Agency) is the only source for insurance against losses due to a flooded home.
  4. Though the NFIP is federally-funded, flood policies are sold by participating private insurance providers approved by the government.
  5. FEMA’s website also provides Flood Risk maps so you can determine the risk level for flooding at your specific address. Your risk will also be a factor in computing the cost of flood insurance.
  6. Never return to a flooded area until local officials have declared that it is safe.
  7. Stay aware of dangers inside a flooded home. Make sure electricity to the house is turned off. Floodwater may be toxic, so wear protective clothing, goggles, and a breathing mask if you must contact any standing water inside the house.
  8. Notify your NFIP insurance provider.
  9. Documenting the condition of your home and belongings with photographs helps ensure proper insurance compensation.
  10. Contact professional water damage recovery services, ASAP. Even though the flooding event may have passed, for every hour water remains inside your house, damage mounts exponentially and secondary effects like mold contamination are triggered.

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