As you’ve gotten older, your home has become one of your most valuable possessions. And, you likely realize how vulnerable the home is to various hazards. You’ve worked hard to keep it safe. But what if something happens that’s beyond your control?
Your age might mean you have to take special precautions when severe weather strikes. For example, one of the most pervasive types of home damage is flooding. For older Americans, the extreme nature of flooding might prove overwhelming. Therefore, prepare ahead to protect yourself in the event of a house flood.
Know Your Flood Risks
You’ve probably lived in your home long enough to know if it has a high risk of flooding in bad weather. You might even carry flood insurance on the home. If you don’t, it’s coverage to look into.
Standard homeowners insurance usually doesn’t cover weather-related floods. Therefore, a flood insurance policy can better protect the home in case of flood damage. If you are older and on a fixed income, replacing property after a flood might not be a financial option. However, with flood insurance you can get financial assistance to help you recover.
So, talk to your insurance agent about your flood risks. Your agent can help you find out if flood insurance is a worthwhile investment for your property.
Think About Your Specific Needs in the Event of Flooding
If you’re an older person, your risks of becoming incapacitated in a home flood often increase. Limited mobility, funds and access to emergency resources make the elderly particularly vulnerable. Therefore, if you have time to get ready before a flood, take care of yourself and your property:
- Ensure your home still receives regular maintenance. Have the gutters cleaned, foundations repaired and seals checked every so often.
- Have an emergency plan in place. You should know ahead of time who to contact in case of a flood. This might be a relative, emergency services or a trusted friend. Make every effort to evacuate ahead of flooding.
- Know who you can call on to help you place sandbags, store goods or move furniture to higher ground.
- Begin a medical plan. Talk to your doctor about your specific needs, and how to take care of yourself during floods. Prepare medication and medical equipment to take with you when you evacuate.
- Never attempt to wade into flood waters. If you cannot evacuate your home, attempt to move to a higher portion of the home.
- Keep a kit on hand with an emergency phone, food, water, first aid supplies and batteries.
Make sure your loved ones know your needs in case of a house flood. Also, don’t wait in the event of a flood to contact your insurance agent at 757.583.1828. They can often immediately start claims to help you begin rebuilding.
Other Helpful Information:
Flood Insurance : A Basement May Not be Covered
Should Renters Have Flood Insurance of Their Own?
What Type of Water Damage Does Flood Insurance Cover?