As summer storms make their way across the country, it’s a good reminder to understand flood insurance. If you live in a flood plain, in most cases, you are required by your mortgage lender to carry flood insurance. For people who do not live in a flood plain, the option to carry this type of insurance is up to you. The problem with that is that it may seem too expensive or you may deem it unnecessary and thus, don’t opt for the coverage.
When you don’t have insurance, if disaster strikes and your home floods, not all hope is lost. You’ll have a few more steps to work through in regards to restoring your home and gaining funds to assist you, but you’ll eventually start to see improvement efforts. You should first contact your insurance policy to discuss what, if anything, might be covered. In most cases, you’ll need to contact them anyway if the Federal Emergency Management Agency (FEMA) declares your neighborhood, city, or area a disaster area. Often, in disaster events, FEMA requires a letter of denial from your insurance company in order for you to apply for their benefits and flood assistance program.
According to FEMA and The Red Cross, the first step after a flood is to care for yourself and your family. Talk through the recovery steps together and explain the facts to your children so they aren’t worried about the ‘unknown.’ Learn how to recognize fatigue, illness, and anxiety problems within yourself and others. Emotions are high during a flood event; when you can talk out your fears, hopes, and ideal scenarios together, you’ll be taking care of each other’s health and working as a strong team.
Once you and your family are taken care of, you can take care of your house. If you don’t have flood insurance, look to organizations like The Red Cross, FEMA, United Way, and other local charities and churches. Some will be able to offer financial assistance while others can help you get back on your feet. On average, flood damage can cost around $35,000 to repair. Compared with the cost of flood insurance, it may be worth it to call for coverage today. If you don’t have flood insurance, look into steps you can take to protect your home. In any case, should you experience a flood, document everything and don’t be afraid to reach out to people offering assistance.
Caring for your house means doing what you can to make sure your home is safe. You may have to temporarily shore your home in order to make it safe to work in or occupy. At LaPointe Construction Board Up Service, we have the tools and experience necessary to successfully shore your home. When powerful storms bring floodwaters to the area, our Temporary Shoring team will make sure your structure is supported when the water recedes. Our service gives you time to organize your next steps in the flood recovery process so you and your family can reside in a structurally safe home.
If you feel your home is unsafe due to a storm or flood, give us a call at LaPointe. Call us at 978-447-5991 if you need Temporary Shoring Services or visit our Facebook page at https://www.facebook.com/LaPointeConstruction to learn more.