4 Misconceptions Homeowners Have About Floods


StatePoint) Many people look forward to spring when the weather warms up and flowers start to bloom, but it also marks the start of the peak time of year for flash flooding in the United States. According to NOAA, 75% of flash floods happen between late April and mid-September. And while you may not want to think about it, when water backs up and overflows, it generally goes where it doesn’t belong and can cause serious damage to your home.

Unfortunately, many homeowners have misconceptions about floods, leaving them unprepared. Here are four of the biggest myths:

1. Homeowners insurance policies cover flood damage. A typical homeowners policy covers water damage from a sink or bathtub overflowing but won’t help with flood damage caused by storms – something many homeowners only discover after it’s too late. However, some insurance companies offer coverage to help fill the gaps so you don’t have to pay out of pocket for repairs and replacements. For example, Erie Insurance now offers Extended Water coverage, which covers damage caused not only by natural disasters, but also by sewer and drain backups.

2. Only people who live in flood plains need flood insurance. A national survey commissioned by Erie Insurance found that 53% of homeowners think only people who live in high-risk flood zones should buy flood insurance. However, 25% of flood claims are filed by people who live outside those areas. Additionally, FEMA says floodwater only needs to get a mere 3 inches high to make it likely that you’d need to replace drywall and baseboards.

3. There’s nothing you can do to prevent flood damage. Nothing is foolproof, but there are ways to protect your home from water damage. Install a sump pump along with a battery backup and regularly test it. Improve drainage around your home by clearing leaves and debris from gutters, storm drains and downspouts. You can also install water sensors to alert you of water or leaks within your home. If a storm is on the way, plan ahead by placing valuables and sentimental items into plastic storage bins, moving items off the floor (especially if they are stored in basements and lower levels of a home) and by making a home inventory. A list of all your personal possessions, along with their estimated values, will help if you need to file an insurance claim.

4. Insurance can only help you after an incident. Many homeowners don’t realize they may be able to get reimbursed for taking steps to protect their homes when flooding is imminent. As one example, under certain circumstances Erie Insurance will reimburse homeowners up to $10,000 for materials such as sandbags and the sand to fill them, fill for temporary levees, pumps or plastic sheeting and lumber used with these items, as well as labor.

“We encourage homeowners to not underestimate the risk of flooding, and to be aware of the significant amount of damage that even a small amount of water can cause,” said Michelle Tennant, vice president of product management, Erie Insurance. “Talk to your independent insurance agent about your home and your neighborhood to make sure you have the coverage that’s right for you.”

To learn more about protecting your home from floods, visit erieinsurance.com/extended-water.

Life is unpredictable. So is weather. But one thing is certain: if it can rain (or snow), it can flood. Make sure you’re protected with the right type of insurance.

PHOTO SOURCE: (c) designer491 / iStock via Getty Images Plus


More Resources

The Benefits of Radiant Heat, Comparison
What are the Benefits of Radiant Heating and how do they compare to other heating applications?You maybe be considering radiant heat to install into your existing or your new home but don't quite understand the advantages or the differences between heating applications? Well we would like to inform you of the benefits and the comparisons to other heating applications available.Some of the benefits of radiant heat are:Comfort: Let your bare feet soak up the warmth of soothing heat without the dust and noise associated with other heating sources.
Types Of Bedsteads
Selection of bedstead is also an important thing as selection of bed mattress. The frame, which provides support to bed, is called bedstead.
Poster, Print or Painting - Where Are You Going To Put It?
If you are redesigning or decorating a room, or house, care has to be taken where your piece of art is to be displayed. Even if you have bought a picture on impulse there are a few tips that will not only enhance the picture but its surroundings.
A Few Concrete Suggestions
Up until a few years ago, my professional experience was in industries including retail, energy, health care, and fast food. In 1996 circumstances and opportunity led me into the manufacturing, marketing, and installation of products used for Floor Warming, Total Space Heating, Roof Snow and Ice Melting and Snow and Ice Melting of driving and walking surfaces.
Laminate Flooring Is Attractive And Long Lasting
Laminate flooring is perfect for people who want to install a floor covering that is easy to install and combines the rich look of hardwood with the easy care of a laminate counter top. Laminate floors that have been constantly gaining popularity since their creation a few years ago.
Metal Carports: Steel Carport Guide
Buying a carport to protect your investment can be a very frustrating task. With hundreds of manufacturers claiming to have the best product, how do you know who to trust? First you must ask yourself, are they out to make a buck, or to protect my truck? The first line of defense is to know what makes a good carport and the second is to trust your first instinct and know that you are protecting your mobile investments.
Lakeside Patios - The Water Makes Decisions For You
If you are putting in a new patio on a lakeside, you have unique considerations that other homeowners do not have when it comes to purchasing patio furniture.We built a new patio on a 700 acre lake and I had to look around for just the right outdoor furniture.
Buying The Right Comforter For Your Bed
Putting the right comforter on your bed can make the whole bedroom look fabulous. Comforters are the most visible of all the bedding pieces, so when you change the comforter you make a large change in the decor of the bedroom itself.
Avoiding Leaks When Installing Vinyl Retrofit Windows
These days a lot of homeowners are replacing their old windows with vinyl windows using the retrofit style of window frame. This is particularly true in the west, and specifically, in California.
Portable Air Conditioners Ensure Economy And Convenience
Small is beautiful and convenient and so is the portable air conditioner as it can be shifted from one place to the other very easily. Read on to find out all the other advantages.
Vinyl Replacement Window Terminology
With so many homeowners in the market for more energy efficient windows and doors for their home, I thought I would use this week's article to cover the more common terms used to describe a window's ability to insulate your home from the elements. There is an organization called The National Fenestration Rating Council (NFRC).
Design Psychology: Beds and Emotional Well-Being
The bed represents the beginning and ending of life. In the past, people were conceived, born, and died in the same bed.
Hydronic vs Forced Air Heating and Cooling
Hydronic, or hot water, heating has been standard for years in many parts of the U.S.
Motion Detector Technology
Motion detectors are in use all around us in both residential and commercial locations. There are many common uses for motion detectors that most people find convenient and helpful in very common, everyday situations, and there will be some new and innovative uses that we may see more and more of in the future.
Roller Blinds
What is behind the popularity of roller blinds. Is it because they are the value for money window treatment or is there anything else in it.
Choosing The Right Window
When you have reached the decision to purchase new windows for your home, be sure you choose the right windows to suit your needs. Determine the reason why you are replacing your windows.
How I Got A Robot To Vacuum The House
Like most people I really hated to vacuum the house. I thought anyone who enjoyed vacuuming was close to insanity.
Interior Design For New Homes
When decorating or making decorating decisions for new homes, it is important to remember that your major decisions could affect decorating choices for quite a long period of time. Commitment to bold or unusual color treatments before you have actually had the opportunity to consider how such changes will coordinate with your furniture placement is not very advisable in this type of situation.
Lighter Fluid: The Best Label and Scuff Mark Remover
The first time my husband saw me scrubbing the black heel marksoff of our kitchen floor with a toothbrush, he said, "You knowlighter fluid will take those marks right off." And it did! Noscrubbing at all, just a little lighter fluid poured on a papertowel, and the marks wiped right off.
Planning Your Replacement Windows Installation
Windows are the eyes of a home. From inside, you see the outside world through them.

More Home Improvement Information:

Related Articles

Hydronic vs Forced Air Heating and Cooling
Hydronic, or hot water, heating has been standard for years in many parts of the U.S.
An Introduction to Waterproofing Systems
Many homeowners find it necessary to invest in a waterproofing system for their home, especially if their home has a basement or cellar. In modern home developments, it is often required by state or local regulations to have a waterproofing system installed before the completion of the home.
Building A Pair Of Heavy Duty Saw Horses
Start out by measuring and cutting all your stock according to the cutting list and set it aside. Take the legs and mark out the tapers.
Why Double Glazing?
Why replace your single-glazed windows with double glazing ? For most, the precipitating factor for looking into double glazing is a need for new construction (or renovation) to conform to modern energy standards. Others decide to replace their windows as an energy saving measure.
Research Concerning Color in Homes and Workplaces
Over the years, many studies have been done in countries around the world to try to discover how human color preferences affect the choices we make in decorating our homes and workplaces, and one dominant fact has consistently emerged: our choice of colors seems to be based largely on the intended use of the space, whether it's in our homes or at our places of business. Here are a few of the findings from various studies:A Japanese study found that people prefer warm colors in the interiors of their homes, which was mirrored by a study in England, although the English were a bit more eclectic, preferring warm colors in their bedrooms and neutral colors in their living rooms.
Consumer Guides: Finding A Quality Contractor and Power Washing Tips
Power washing is the application of high pressure water spray. Some of the most popular services include the cleaning of concrete patios, sidewalks, decks, house siding, entrance ways, and driveways.
Allow Me to Introduce You to the Fungus Family
What exactly is mold? There are over 100,000 different kinds of mold in the world so it is literally everywhere. Molds are organisms and are members of the fungus family.
Learning Interior Design
Learning interior design can be a simple or complicated task depending on a wide variety of factors including exposure, ability, creativity, and willingness to learn. This article is dedicated to explaining the basic elements that interior design is based upon so that you will have the ability to go out and research these elements on your own in order to advance you ability and perspective of the interior design world.
Tips For Breaking Away From White Wall Paint
Paint is one of the most affordable and easiest ways to change a room. But choosing the right paint colors for your home can seem like an overwhelming task.
Hand Stripping Furniture
Directions for HAND Stripping.Work with plenty of ventilation, safety goggles or glases, and skin protection.
Planning Permission Tips UK - Illegal Building Works - Is there an Upside?
Many times throughout the year we are called in to assist people who have got into trouble by completing building works without Council permission. This can be either Planning or Building Regulations - often both.
A Lasting Scent
Look no further for long lasting perfumes. House of Rose makes them and they last more than twice as long as the other perfumes.
Easy Renovations for Your Home
Renovating should be a fun and exciting process (really!). The key is to plan the project out in advance, hire the right people, allot the appropriate amount of time, and make provisions for delays.
Planning Permission Tips UK - Conservatories - Dispelling a Myth
It's now well into the new year and the residential development scene has got off to a good start again. All this talk about 'slow down' certainly hasn't affected peoples desire to improve rather than move.
The Science of Architecture
You're told to take vitamins, drink plenty of water, get a good night's sleep and exercise, but has anyone ever told you that the design of your home and office can impact your health? You wouldn't be alone in raising an eyebrow and questioning how this could be so, but thousands of years ago, the ancient seers of India spent entire lifetimes observing how man-made structures impact humans beings. Their findings were compiled into a body of knowledge called Vastu Shastra.
Spring Home Projects in Northern New England
As I sit on a plane in route from Chicago to Boston this evening, I realize I have been staring out into the dark abyss contemplating the arrival of spring. Spring is a time of anticipation and renewed life.
Why Hardwood Flooring is a Good Investment
Hardwood flooring has a timeless air of qualityHardwood floors have decorated some of the most exclusive mansions and estates in history and still exude a feeling of permanence and classic quality compared to manufactured floors.Hardwood floors are naturalHardwood floors bring the natural outdoors inside, and do not contain man-made chemicals in the wood itself.
Buy Area Rugs on the Web? What a Site!
After spending hundreds of dollars on your favorite Picasso print, the idea of buying it online, anticipating its delivery, tossing it on the floor and going for a stroll seems unimaginable. But there is a form of art that you can walk all over: the area rug.
Color Help: Color Imagery for Happy Homes
Color researchers have estimated that up to 70% of our subconscious reactions to people and environments are based solely on our reactions to color. With that in mind, it's important that you give special attention to the effects you want to create when choosing the color schemes for the interior spaces in your home.
Choosing a Vinyl Replacement Window Contractor
Whenever I write an article, it's usually tailored to the do-it-yourself homeowner to help them save some money on the high cost of labor these days. This article is for the "not so handy" homeowner who wants to have new vinyl windows installed in their home.