One of the most important things you need to know as a homeowner is that your homeowner’s insurance policy covers water damage, not flood damage. That’s why it’s crucial to take whatever measures you can to prevent flooding to your home in Utah. Water and flood damage insurance claims are the most frequent claims made in the U.S., meaning homes are susceptible to both. It’s a good idea to prepare as best as you can in the case of an emergency.
Depending on how serious outside conditions are there is only so much you can do to protect your home from flooding. But flooding isn’t only caused by the elements. Sometimes it’s caused from simpler things. We’ve compiled a list of nine tips you can use to safeguard your Utah home from flooding:
- Check the Direction of Your Downspouts – Make sure your downspouts aren’t pointing towards your house. If this is the case, you’ll have water pooling around your foundation and this can create cracks in your foundation.
- Remove Snow Buildup – The same idea applies with snow, and there is a lot of snow buildup in Utah. In the winter, you’ll want to remove any snow away from your foundation so it doesn’t melt and create a pool.
- Create Space between Mulch and Siding – Wet mulch can potentially rot your house’s siding, which can lead to leaks. Create some space between your mulch and siding so your home will stay dry after a rainstorm.
- Grade Your Lawn – Another way you can get pools of water around your home is if your lawn tilts towards your house. A great way to prevent flood damage is to grade your lawn so any water will runoff in the opposite direction.
- Install Foundation Vents and a Sump Pump – Foundation vents allow flood water to flow through your home rather than letting the water pool. This is a great way to relieve the pressure of flood water around your home. Sump pumps are good for pumping water out of basements. If you get a battery operated sump pump, you’ll be able to use it if the power goes out.
- Coatings and Sealants – Apply coating and sealants on your walls, windows, doorways and foundation to prevent leakage.
- Window Well Covers – These are a great way to keep unwanted water out of your basement windows.
- Install Check Valves – You can install check valves on any pipes entering your home to prevent a flooded sewage system.
- Raise Electrical Outlets and Switches – Any electrical outlet and switch should be raised one foot above flood level. This will prevent electrical damage in the case of a flood happening.