For some homeowners, dealing with annual floods is inevitable. The wet season comes roaring in and before you know it, you’ve got water creeping into your basement, pooling on your property and flooding your driveway! Aside from being a bother, flooding also presents the prospect of damage: what’s going to be ruined when the waters finally recede?
To help mitigate the annual effects of flooding, most homeowners in suspect areas carry flood insurance. But just because you have flood insurance doesn’t mean you’re prepared for the season. Moreover, if you’re someone who doesn’t have flood insurance, you could be leaving yourself at the mercy of an impending disaster!
So what should you be doing to make sure you’re truly prepared for a flood? Take a look:
- First and foremost—whether you’re a new homeowner or you’ve been at the same homestead for decades—give a land surveyor in Mobile, AL a call. By determining the elevation of your property and your flood plain status, you’ll be able to obtain a flood certificate. This is an extremely important document to have.
- Once you have a flood certificate or a certificate of elevation, you can bring this to your insurance company. If you have general home insurance, this can qualify you for extended flood coverage. If you’re buying flood insurance outright, it will help to reduce your premium!
- Make sure you understand what items are covered generally under flood insurance and which items require their own assessment to be included! Many homeowners make the mistake of assuming a policy is all-encompassing. The truth is, they’re often not encompassing and a few extra assessments are required to supply coverage to special items such as art or antiques.
- Finally, once you have flood insurance, make sure your home is as protected as it can be against flood issues. This means addressing things like grading and sloping where possible. An engineer can assist in determining the right pitching and other variables to help improve the resistance of your home to impeding waters.
Homes all along the Gulf Coast experience flooding each year. Many people assume this is a way of life and year after year they simply deal with the ramifications of a flood, all the while paying their premiums and waiting for an insurance payout. A land surveyor in Mobile, AL could change all of that! With a flood certificate or elevation certificate, you could spend less money on a more comprehensive insurance policy this year!
Polysurveying & Engineering has a depth of experience in working with homeowners across the coast, to provide them with critical elevation information and flood plain mapping. We’re here to give you the information you need to be smart about flood planning.
Don’t forget: flooding can be tremendously dangerous if the wet season is a heavy one. Take steps to pack emergency kits and supplies, keep in touch with neighbors and relatives during heavy rainfalls, and invest in things like a generator or satellite phone if you’ve been the victim of heavy flooding in the past. Better safe than sorry!
Categorised in: Commercial Surveying
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