Do I Need Flood Insurance

One of the questions that our customers sometimes ask us here at LaPointe Construction Board Up Service is “Do I need to get flood insurance? Isn’t my homeowner’s policy enough?” Unfortunately, a standard homeowner’s or renter’s insurance policy doesn’t cover flood damage. It’s better to avoid damage if you can, but if you do need a property restoration company, you’ll want insurance to help cover the costs.

Here in New England, like many other northern areas, we can get a good bit of snow in the winter. That snow has to melt eventually, and it can lead to spring flooding. If the winter snow and ice don’t give you enough of a headache, the spring thaw and flooding will. In a Boston Globe article, Massachusetts Emergency Management Agency spokesman Peter Judge was interviewed. He said “Certainly you want to get flood insurance, if you don’t have flood insurance.” The areas at most risk are low-lying areas surrounded by higher elevations and those that have a history of flooding.

In his interview with the Globe, Judge also reminded readers that “Your normal insurance is not going to cover you if you lose things in your home, or there’s damage to your home from flooding.” This is important information for any property owner. If your home or business is at risk, you have to have a separate policy to protect yourself.

Flooding is a big danger when snow is melting fast. During a slow melt, temperatures drop back below freezing periodically and water had a chance to drain before more is added to it. If temperatures stay high, however, the melting ice and snow can cause water to build up much faster than it can drain.

Most property owners don’t know how to prepare for a possible flood. Here are some tips if you’re concerned about your home or business:

  • Move as much snow and ice away from your property as you can. Try to move it towards a downslope that will direct it away from your building.
  • Make sure storm drains and basins are clear of debris.
  • Clear gutters and downspouts.
  • Take an inventory of your belongings and make an electronic copy or keep it somewhere off site. Insurance companies require proof of what you lost.
  • Move items that are delicate or hard to replace away from basements. You might want to consider moving especially valuable items into a safe storage place.
  • If your property has a history of flooding, consider installing a sump pump in your basement or other vulnerable areas of your property.

With proper preparation and good insurance coverage, this year’s spring thaw can be worry free. At LaPointe Construction Board Up Service, we know that New England weather can be full of surprises. For over 40 years, we have been helping our neighbors get through all kinds of disasters. Call us at 978-447-5991 anytime 24 hours a day. Our team is always standing by to help you through any situation.