Traditionally in New England, the period of time that leaves your home the most susceptible to flood damage is during the rainy spring season. Most often in March and April, consistent downpours and minimal sunshine can create a world of problems for homeowners. But as all Connecticut locals will tell you, if you don’t like the weather, just wait a few minutes. As unpredictable as the four seasons can be in this region of the U.S. there are always preventative measures for protecting your home, automobiles, and of course, your loved ones during unfavorable weather conditions. In regards to an excess of water threatening your home, you’ll want to keep a few things in mind in the effort to prevent flood damage.
6 Simple Ways You Can Prevent Flood Damage to Your Home
Shovel Snow Away From Your Foundation:
This issue is particularly relevant to New England homeowners. With how drastically temperatures can rise during the transition into spring, snow mounds leftover from previous winter storms can melt at an expedited rate. Move all remaining snow away from your home so that it doesn’t melt into your foundation and cause damage.
Repair/Protect Your Roof:
Any necessary repairs to your roof should be made well ahead of the rainy season. Simply putting a bucket underneath a leak in your ceiling only masks the problem. Leaks that may appear to be small will inevitably get bigger and cause extensive damage to your roof. Schedule a maintenance check on your roof and fix any and all problematic areas. Not to be used in place of repairs, but large tarps can provide a temporary solution to cover weak spots that are prone to leakage. Investing in a rubber roof underlayment could also prevent widespread damage.
Gutters clogged with debris, such as leaves and mud, are completely useless. The main purpose of gutters on your home is to detract rainfall away from your foundation and prevent flood damage. To allow water to properly flow and escape through your gutters, make sure to remove large clumps of debris and clear away blockages using a garden hose if possible. This project will typically require a ladder so ALWAYS use caution when cleaning your gutters.
Invest in Sandbags:
Burlap bags filled with sand can work wonderfully for blocking water from entering your home. Piling large mounds of these bags around every inch of your home’s foundation isn’t necessary. However, sandbags can be very effective in keeping water away from easily accessible entrances to your home, such as basement doors.
Elevate Expensive Equipment/Possessions:
During any threat of flooding, devise a plan for certain electronics, furniture, appliances and other valuable items to be raised out of areas that are prone to flooding. For larger items such as washing machines, this may be a difficult task, but raised platforms for temporary placement can protect many of your pricier belongings. All electrical items should also be unplugged during a flooding occurrence.
Document All Possessions:
Irreplaceable items such as gifts with sentimental value should always be in a waterproof and elevated location. For possessions that can be replaced but are expensive in nature, properly document and appraise them so that they can be submitted in an insurance claim in the event that flooding damages them. Certain items may not be covered under your current homeowners insurance policy, so you may want to consider looking into Personal Articles coverage for particular valuables.
Connecticut and its surrounding states must always be on alert for ever-changing weather conditions. Whether you are stocking up on salt for the winter or collecting sandbags to prevent flood damage, your home is one investment that needs continuous tender, love and care. Stop a disaster before it even starts by not only preparing your home for unforeseen storms and flooding but also with sufficient insurance coverage.
If you’re in the market for a new homeowners insurance policy or you simply wish to review your current policy, Waitte’s Insurance Agency is always there! Maintain peace-of-mind for your home and family by calling our office at (860) 886-1961.
Connecticut personal umbrella insurance is a safeguard that protects you from incurring unexpected expenses as the result of an accident. And while this sounds like the pitch for the auto and homeowners insurance policies that you already have, it’s actually a bit different.
What Does Connecticut Personal Umbrella Insurance Cover?
Consider, for a moment, that you are involved in an auto accident that incurs $500,000 in damages and you’re the responsible party. Your auto insurance policy covers you up to $250,000, but after that, you’re on your own to come up with the remainder. Now you’re out a quarter of a million dollars and your personal assets are at risk.
A personal umbrella insurance policy fills in the gap to protect you and the assets that you’ve worked so hard to secure. It kicks in to cover the expenses that extend above and beyond those which your existing auto or homeowners insurance policies cover.
Who needs Personal Umbrella Insurance?
Personal umbrella insurance is valuable for many insurance customers, particularly those with the following circumstances:
– A job that requires extensive driving, increasing their risk of an automobile accident.
– Dangerous items in the home, including a swimming pool, trampoline or firearm.
– Pets, particularly dogs that may be categorized as aggressive.
In addition to these factors, you should also consider your own personal net worth, how much liability coverage your existing policies insure and the likelihood that you may be sued. Understanding whether your assets – and what assets – may be on the line somewhere down the road can help you to decide whether personal umbrella insurance is a good buy. Both individuals and families can benefit from personal umbrella insurance.
Personal Umbrella Insurance Just Makes Sense:
You may be wondering whether a personal umbrella policy is worthwhile when you could just as easily increase the coverage offered by your existing insurance policies. While that is a valid option, it’s not one that will save you money or frustration.
What makes a personal umbrella policy unique is that it covers the gaps, wherever they may come up. You can’t plan for an accident, and your umbrella insurance is there to cover those areas. All you have to do is pay into one plan that offers you upward of $1 million, rather than increasing the coverage of the policies you think might be impacted at some point down the line.
Do You Need Connecticut Personal Umbrella Insurance?
Residents of the state of Connecticut, in particular, can benefit greatly from personal umbrella insurance. The net worth of Connecticut residents is the among the highest in the country, meaning that your valuable assets are on the line in the event of an accident.
Avoid a devastating lawsuit and protect your hard-earned assets in the event of an unforeseen incident. Contact Waitte’s Insurance Agency at (860) 886-1961 to learn more about if Connecticut Personal Umbrella Insurance is right for you.