Have you ever experienced a flood that left your house in major water damage? If you said yes to the question then you should know that floods ruin everything the water touches. The carpet in a house can be ruined in no time if the water stays on soaking the rug. This is something that you cannot prevent, but you can purchase flood protection in your homeowners insurance. There are many hurricanes every year that hit the states along the coastlines.
Water damages are very harsh to someone that does not have homeowners insurance that covers the flood damage. If you have water damages to your house and have a basement, your basement will be under water making more damages. The water damages that you have done to your house can make the house have a lot of moldy stuff afterwards making many things have damages. Couches can be ruined from floods making them fall apart for holding too much water. Flood damages are one of the worst things to go through during a hurricane being that floods can be deadly. This means sewers can over flow making the water very bacterial.
Water damages will go under the flood insurances that you have with your homeowners insurance. If you do not have flood protection, you should because you never know when a flood will leave you homeless or ruin everything you have. If you did not notice, there are many hurricanes that bring a lot of rains that cause floods. In a major flood, there are many things you lose during the flood. That is why people have the homeowners insurances to provide a back up plan. Water damage can ruin a wood house in no time, by rotting the wood. Then you should know that water will get all the drywall wet and this will make the drywall very easy to break.
If you are looking to have some sort of prevention to water damages then you should know that watching the weather can help you know before hand. If you do not have a TV to watch the weather, then you should make sure you listen to the radio. There are many ways to preparing for a flood. One thing you should start doing is thinking of putting everything in plastics containers. If you do not use plastic, you can put some stuff in zip lock bags to assure the air is tight for it to float. You may try to put all the carpets in a rubber container as well. This will cut down on a lot of inner damages you can get from flood. The basement is the number one thing that will have the most water damages, which means make sure you get everything out of there to somewhere high.
The main thing you should know to water damage is the fact that if you don't get the object that is wet dry on time, then you will have a mildew problem quick. This will ruin the item you are trying to save and making sure it gets taking care of in no time is the important thing to do.
Whether you live in an area that is prone to flooding or natural disasters such as tornadoes or even in an area that seems to be safe, recording the contents of your home on video is an important thing to do for insurance purposes. Having your home and belongings on video allows you to be able to show an insurance company exactly what was lost. If you are ever burglarized, it is a good tool for the police to view as they are looking for the burglars and lost property.
You don't have to have a fancy video camera to do the taping. However, it is important that you have the ability to zoom in on things and that you can narrate while taping so that you can talk about what is on the tape and explain the significance of important pieces of furniture or art work.
Go from room to room in your house and video everything from furniture to accessories to wall hangings. Open closets and video things that you have stored away. You want to make sure that all of your belongings are caught on tape as some insurance companies may not cover any items that are not documented.
Once you have taken a video of your home inside and out, make copies of the video. It is a good idea to store them in a safety deposit box at the bank and in a fireproof safe in your home. It is also good to send a copy of the tape to a family member or friend that lives in another city. This way if your whole town is affected by a hurricane the video of your home and belongings is kept safe.
In addition to documenting on video, it is a good idea to keep a written record complete with receipts for your more valuable items. If you own a lot of expensive jewelry, you might want to consider having a rider put on your insurance to recover the full worth of any lost jewelry. Check with your insurance company about other riders that would be beneficial to you.
It only takes a couple of hours to do a thorough video of your home and its contents, yet many people put it off until it is too late. Don't hesitate. Document your possessions now so that if you ever are faced with the loss of your home or belongings you will be able to present it to your insurance agency to help your claims go smoother.
Both Ramona Weisly & Tim Shank are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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