Snow is everywhere and if it were to melt rapidly you might experience flooding. A few common questions we have been getting lately and the answers to these questions are listed below.
Does my homeowners insurance cover flooding that might be caused from the snow melting?
No, your standard homeowners insurance policy is not going to cover flooding from the snow melting. A flood insurance policy is required in order for your home and personal property to have coverage from a flood.
How long does it take to get a flood insurance policy into effect?
There is a thirty day waiting period for those who are not closing on a new loan that requires flood insurance.
How can I prevent flood waters from ruining my home?
-Build levees or flood walls that prevent water from reaching your home.
-Clean out your gutters. A blocked gutter will cause all water to flow directly into your foundation and not away from your home via the downspouts.
-Although it might be too late, when the spring does come make sure that the grade goes away from your home to prevent foundation damage from groundwater.
Reduce Groundwater Damage
1) Have a sump pump installed in your home.
2) Look into waterproofing your basement through a local contractor.
3) Install seals to windows and or doors that groundwater is going to impact.
Is it too late to get flood insurance?
No, we are happy to provide you with a quote.
About Spalding Insurance Agency
Spalding Insurance Agency provides exemplary service and access to Michigan's finest insurance companies. We proudly serve the personal and business insurance needs of people in East Lansing, Okemos, Haslett, Lansing, DeWitt, Perry, Detroit, Holt, Mason, Grand Rapids, Laingsburg, Bath, and other great Michigan cities. For a quote on auto insurance, home insurance, business insurance, or life insurance click here.
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