Tag Archives: flood

Keep Your House Safe From Any Natural Disaster!

Disaster Preparedness Tips

Typically, there is very little warning before a natural disaster hits. While there is no way that you can control Mother Nature, there are steps that you can take to help ensure that you and your family stay safe. Keep these disaster preparedness tips in mind to ensure that you are ready for whatever Mother Nature has in store this season.

If you have to deal with a flood:

Floods can easily destroy your home and belongings in a matter of seconds. Elevate your water heater, furnace, and other electrical components above the flood level in your area to help keep them safe. Keep in mind that your homeowners insurance policy will not provide any coverage, only a specific flood insurance policy will. Flood insurance policies have a 30-day waiting period, so the sooner you invest in a policy, the sooner you will be protected.

If a wildfire threatens your house:

Use fire resistant plants and shrubs in your landscaping. If it is time to re-do your roof, consider using fire-resistant roofing materials. Keep your rain gutters clear of any fallen leaves or other flammable materials. Take a look at your home insurance policy to ensure that you have enough coverage if your house is damaged or destroyed by the flames.

If an earthquake shakes your Conejo Valley house:

Secure all heavy items to the wall, including mirrors, shelves, and dressers. When placing items in cupboards, make sure that the heaviest items are on the lowest shelves. Just like a flood, your home insurance policy will not provide any protection for damage done during an earthquake. You will need to invest in a specific earthquake insurance policy to keep your house and assets safe.

To ensure that all of your insurance policies are working to keep you safe, contact Integrity First Insurance in Thousand Oaks, California.

Know The Difference Between Water Damage And Flood Damage

Water Damage vs. Flood Damage

When dealing with broken pipes, burst water mains, and other water issues in your home, you likely do not think about whether you should file a water damage claim or a flood damage claim. Many homeowners do not realize there is a difference between these two types of claims. Gathered is some vital information about water damage and flood damage to help you better understand the issues you may be dealing with.

Floods

According to the Federal Emergency Management Agency (FEMA), a flood is defined as a general and temporary condition of partial or complete inundation of two or more acres and two or more properties of normally dry land. Within this definition, flood damage can only be caused by:

  • Overflow of inland or tidal waters.
  • Unusual accumulation of runoff of surface water.
  • Mudflow.
  • The collapse of land along a body of water, as a result of erosion caused by waves or currents.

So What Is The Difference?

In simple terms, the difference between a flood damage claim and a water damage claim is that a flood involves water from a natural source and includes more than one property. If only your home is dealing with water issues, chances are you are dealing with a water damage claim, not a flood damage claim.

Flood Insurance

Most home insurance policies do not include flood insurance. If you are in an area at risk of flooding, you should contact the National Flood Insurance Program for a policy. This will allow you to stay protected from flood damage and be able to file a flood damage claim. You can learn more about purchasing flood insurance here if you are concerned about your home’s risk.

For all of your homeowner’s insurance needs throughout the Conejo Valley, contact the insurance professionals at Integrity First Insurance Services in Thousand Oaks, California.