Getting the Facts About Flood Damage

While a small water spill is rarely problematic, water damage in Portland can lead to costly repairs. Flood damage can happen at any time and any place in the United States, so it is wise to learn how to protect yourself in advance. Normal homeowner’s insurance does not necessarily cover you in the event of flood damage, so you may need to talk to your insurance agent about flood insurance. Keep reading if you would like to get the facts about flood damage.

Where Floods Happen

Although a flood can happen anywhere in America, some areas are more susceptible to this type of weather disaster than others. Certain areas are known as Special Flood Hazard Areas, or SFHAs. If you live in a coastal area, you may be more vulnerable to flooding as a result of a hurricane. It is important to realize that melting snow can also contribute to flooding, so areas that receive heavy amounts of snow may be at risk as well. Regardless of the cause, flooding can cause severe damage to your home, vehicle, or other property. If you live in an area that is especially prone to flooding, make sure you are flood aware in order to avoid damage.

flood living room

Flood Effects

A flood can cause damage to your home or property in a number of ways. A couple of feet of flooding can haphazardly carry your vehicle away, at which point it may crash into other vehicles or homes. It only takes a few inches of water in your home to do enough flood damage to warrant extremely costly repairs, including mold remediation and water damage restoration. A rapidly progressing flood may create walls of water that reach well beyond the height of the average human . While there are steps you can take to prepare yourself for a flood, it is often wise to invest in flood insurance.

Flood Insurance

Unfortunately, your standard homeowner’s insurance will typically fail to cover flood damage. This is why it is helpful to purchase flood insurance if you live in a high-risk area. Homeowners who live in an SFHA may be required by their mortgage lenders to purchase flood insurance.

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