Restoration Resources For Troy Michigan Residents

If you are living in a flood prone area, such as Troy Michigan

, it is important to make sure that your house is not affected by the flood waters. Though it is a natural phenomenon, most of the destruction does happen due to the lack of foresight adopted by man. You can definitely take steps to make sure that there is minimum damage, if any, by floods. If you and your folks are not at home, you still have to make sure that there is minimum water damage to your property when you are away.

Before you go out for vacation or even outdoors, it is important to turn off water supply. Make sure there is no room for leakage. Never put foreign objects down the toilet because it can lead to overflow and water clogging. Always clean roof gutters as they are usually the main reason for water damage. When you are inspecting the gutters, make sure to see that there are no materials like leaves or garbage that hinder the flow of water. Look out for cracks in the water hose that connect the washing machine to the tap; find out if pipes and wash basins are working fine. You should ideally call a plumber and ask him to look around for mold growth and other areas in the home that can be afflicted with water, before you actually leave for a vacation.

If the property where you stay has a garden, it is better to ensure that they are away from the home, as the plants can absorb quite a lot of water. It is a must to check that all the electric lines and cables in your home are well insulated; so that there is no appliance damage or electric shocks which can result in fire outbreak.

Install a sump pump with an alternate power source if you have a basement. You should check the functioning this pump twice a year, at least. Though it may be an expensive proposition, it is worth it if you stay in a flood prone area, due to the ability of the sump pump to absorb water rapidly and reduce damage.

The one thing that you should always bear in mind when you take a home in a flood prone area is to buy a homeowners insurance policy that has comprehensive coverage for flood protection. It should cover both floods and flash floods. Floods happen when there is continuous rainfall for many days, heavy rainfall during a brief period of time, or debris or ice that lead to overflow of water from river that overflows into the surrounding land. Flash floods on the other hand, happen within six-seven hours of rain, after a dam break or after a sudden burst of water from an ice body. In short, flash floods can catch people unawares.

Look for disclaimers, inclusions, exclusions and riders in your insurance agreement. For example, if you are the owner of the property and make money from capital gains, you may have to arrange for replacement housing to people who stay there. In this case, you can opt for a landlord insurance policy

by: don m

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