It seems like your home or business will never be involved in a flooding incident. Yet, flood damage is among the most costly and common hazards. There is a one in four chance of a flood occurring in high-risk areas. During the course of a 30-year mortgage, that offers plenty of chances for this to affect you.
Many people believe that they do not need special flood insurance because they do not live in a flood zone. Did you know that all areas are technically considered flood zones? Here are five ways your home or business could be affected by a flood.
If your home or business has suffered water damage, get help now. Professional water damage restoration companies such as Woodhams Group can help you get the problem cleaned up quickly.
Flooding Is Not Just Due to Weather
Common causes of floods are thunderstorms, tropical storms, and hurricanes. Flooding can also be caused by clogged sewers or drain systems. Over-paving and dam failures are also causes of sudden floods. Floods can often come on suddenly and occur quickly.
Floods Can Cause Health and Safety Risks
Damage from floods can happen if the water does not get cleaned up quickly. Homes or businesses can experience structural damage. The electrical system can be damaged. There are also hazards from floods like contaminated drinking water or sanitary problem which are a result of standing water.
Some of the most devastating problems are the loss of life. Flash floods can kill more people than any other weather-related issues. Floods have claimed the lives of people, pets and livestock.
The damage done by floods is so much more than just to buildings. Victims can also be left to deal with difficult emotions regarding the flood such as fear, panic disorder or anxiety, depression, anger and grief. These emotions can cause problems in relationships, they can cause difficulty sleeping and they can adversely affect one’s appetite. It is no wonder that following a flood, there are professionals on standby to care for people’s emotional needs.
A flood can damage a structure, but 90 percent of damages also include damage to vehicles, belongings, business equipment and valuables. It only takes a few inches of water to cause a significant amount of damage to anything in addition to buildings.
Clearly, there are many ways that floods can damage a home or business. One of the best ways to be prepared to handle flood damage is by obtaining flood insurance. Not all insurers or policies protect against flooding. Be sure that you have enough coverage.
Verify the level of flood insurance that you have or get a higher level of coverage now. It can take years for an area affected by a flood to be rebuilt and you want to be prepared to start the rebuilding process if necessary with the right home and business coverage against flood damage.