Large-scale flooding often occurs in Georgia during the winter and spring months, but surprise flash floods can happen at any time of the year. Whatever the season, as a homeowner, you’ll want to ensure that your property has every necessary protection from rain, flooding, and any ensuing water damage.
Read on for some tips about how property owners in and around Atlanta, Georgia, can guard their homes against floods and rain.
1. Repair Cracks in Your Home’s Foundation
Over time, your home’s concrete foundation can develop stress cracks if the ground beneath your house shifts or if the foundation expands and contracts during extreme weather changes. These cracks may allow groundwater to seep into your home, making your property more vulnerable during a heavy rain or flood.
Mortar or masonry caulk can be an affordable and effective solution to seal any cracks in your home’s foundation. You may need to use a caulking gun to make sure the caulk fills up the entire length of the crack.
2. Apply Sealant to Vulnerable Areas
Check all areas of your home for vulnerable spots that may let in water—including doorways, windows, and cracks in outer walls. Apply a sealant to all cracks to reduce water penetration. You can purchase these sealants in most hardware stores or home retailers.
3. Purchase a Sump Pump
A sump pump can help pump water from your home to the outdoors during a flood. However, if your sump pump runs on electricity, it will stop working during a power outage. The best solution would be investing in a battery-powered sump pump and keeping the battery charged up.
4. Install Sewer or Septic Line Check Valves
One of the most significant potential hazards during a storm or flood is sewage backflow. Sewage contains dangerous chemicals and contaminants you want to keep away from your possessions, appliances, and food surfaces. Not only can it cause damage, but it presents grave bacterial risks to your family and pets.
If you live in a flood-prone area, it would be wise to invest in sewer check valves to ensure that waste can only flow one way.
5. Raise All Electrical Outlets and Switches
Does your home have any outlets or switches close to the floor level? Many older homes in Georgia have outlets along the floorboards or molding. If so, your property is at high risk of electrical damage during a flood. All outlets and switches should be at least 48 inches above the floor.
6. Consider Installing a Flood Sensor
A flood sensor can detect minor leaks and warn you against potential water damage before it becomes widespread and expensive to restore. Many home security systems now offer the option to install flood sensors.
7. Clean and Repair Your Property After a Flood
Prompt cleaning and repair after heavy rain or a flood can help you prevent further water damage to your Georgia property. Make sure to take any necessary precautions to protect yourself and your loved ones against contaminated water and hazardous chemicals.
Drain any water and air out of the rooms to prevent mold and mildew. Remove accumulated mud, dirt, and debris. Clean and sanitize all surfaces and let rugs, fabric, and upholstered furniture air dry (preferably in the sun when it returns). A dehumidifier can help your home dry out more quickly.
In cases of large-scale water damage, a professional post-disaster cleanup service may help restore your home to a livable condition more quickly.
What to Do If Your Property Suffered from Water Damage
If your home suffered from water damage, you need to get in touch with your insurance company and file an insurance claim as soon as you can. Take multiple clear and well-focused pictures of any parts of your home, including items like appliances, furniture, and other possessions, that have sustained damage.
When filing a claim, you can improve your chances of receiving an adequate payout from your insurance company if you:
- Make sure your communication with your insurance carrier is clear, compelling, and well-documented
- Supply any documentation and information your insurance company requests
- Promptly obtain a professional, accurate estimate of any damage costs
Unfortunately, your insurance provider may look for pretexts to avoid its obligations while handling your home insurance claim despite obvious evidence. For example, insurance reps may state that your practices have caused some of the damages or that the repair cost estimate is exaggerated.
Feeling Overwhelmed? We Can Help You Deal With Your Insurance Company
Even if you take every necessary precaution, an unexpected flood can leave your property with extensive water damage. You might think your homeowner’s insurance plan will provide sufficient coverage, but many insurance providers try to refute or minimize post-disaster claims, using a variety of excuses.
If you feel like you’ve hit a brick wall while communicating with your insurance company, hiring a public adjuster as your agent can help you more successfully go through the claim adjustment process.
At Insurance Public Adjusters of Georgia, we are committed to 100% customer satisfaction. We only get paid when you do, so working with our licensed public adjusters requires no upfront costs and no risks for you.
Copyright © 2021. Insurance Public Adjusters of Georgia. All Rights Reserved.
Insurance Public Adjusters of Georgia
1100 Peachtree St NE, Ste 200a
Atlanta, GA 30309