Discover Common Types of Hurricane Damage

Hurricane_Isabel_from_ISSHurricanes[1] are quite a common phenomenon in the United States, so many people are already familiar with the amount of damage that a hurricane can bring. Preparing for a hurricane does require quite a bit of effort, because hurricane damage can consist of many things.

The most common types of hurricane damage are strong winds, storm surges, floods, tornadoes and rip tides. Even though everyone is familiar with most of these types of hurricane damage, not many people know what rip tides are.

Rip tides are considered hurricane damage. Even though they are usually the most dangerous for people who are on the water at the time, they can still affect people on land. A rip tide is basically a strong current that will push itself away from the shore when a hurricane is coming near. Strong winds will push water towards the shore. The waves going towards the shore will create an underwater sandbar. The waves will create a power struggle between the water in between the sandbar and the shore. All excess water will be forced through the gap, causing an incredible strong current near the shore.

However, rip tides do not cause nearly as much hurricane damage as floods and strong winds. Floods are becoming a real problem in the United States, so many people are usually prepared for them. However, with floods becoming more powerful every year, it might be worth checking your area for flood alerts and ensuring that your area provides the best possible protection against hurricane damage. Also check your insurance policy regularly for common types of hurricane damage and make sure that you are completely covered when a disaster occurs. Not being covered by your insurance can cost you dearly, especially when your home gets hit by a flood or when strong winds damage your home beyond recognition. Even if you do not live in a danger area, you might want to update your policy just to be on the safe side.

[1] Contributing Authors, (January 01, 2010). “Damage”, ATMOS, Source: http://ww2010.atmos.uiuc.edu/%28Gh%29/guides/mtr/hurr/damg/home.rxml

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Does My Homeowner Insurance Cover Water Damage?

New Orleans, LA--Aerial views of damage caused from Hurricane Katrina the day after the hurricane hit August 30, 2005. Photo by Jocelyn Augustino/FEMANot everyone is aware of what types of water damage a homeowner insurance[1] covers. Many people are refused when they try to claim mold removal and this is definitely not an uncommon type of water damage. Let us take a closer look at homeowner insurance and find out what you can claim.

When you have basic homeowner insurance, the chance is extremely high that you will not be able to claim damages caused by a flood. What it does cover is basic water damage, for example, water coming through a leak in the roof. But the line is very blurred here as well, because pipe leaks are usually not covered. What it all comes down to is if the water damage was caused by a storm or not. If you do not keep your pipelines repaired and maintained, the chance is really high that you will not be able to claim.

So what can you do then? Unfortunately you will have to acquire more insurance policies that do cover damages from floods or uncommon circumstances. If you live in an area that is prone to flooding, you pretty much have no choice but to get a policy that covers flooding as well.

Unfortunately, not every insurance agent has your best interest in mind. Make sure that you find an insurance agent that can give you an attractive package for a decent package and do not let someone offer you additional packages that you do not need. Many people have to do a lot of research about their area and weather conditions before they pick an insurance policy, but it is the best practice if you do not want to overpay or find out later that you cannot claim on certain damages.

[1] Bobbie Sage, (March 12, 2015). “Water Damage to Your Home”, PERSONALINSURE, Source: http://personalinsure.about.com/od/preventio1/a/aa052007a.htm

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How to Prepare for a Flood?

Hurricane IsabelWhen you prepare for a flood, there are certain things you must take into account[1] to keep yourself safe. There are also certain tools that can help you prepare for a flood, for example flood warnings, flood apps and even emergency kits. Let us take a look at the vital things you need to prepare for a flood.

People who prepare for a flood should always have an emergency kit with essentials. Items in this emergency kit can be: insurance policy documents, first aid kit, water, torches and emergency numbers.

Many of us also want to keep certain possessions safe, even when a flood is about to happen. In order to keep your prized possessions safe, make a list in advance so you know which items you need to provide extra protection for when a flood arises. You could place the items in a higher location in your home or you could seal important documents in plastic bags. There are other essential items you will need to take when you prepare for a flood. One of these essential items is medication and toiletries. There are many ways to prepare for a flood, but only the essentials will be important when you do not have sufficient time.

You also want to protect your home the best way you can, so filling up some sandbags or purchasing sandbags may not be such a bad idea. Depending on the intensity of the flood, sandbags will keep the water out of your home and protect everything inside your home. Before you evacuate, ensure that your freezer and refrigerator is empty and take some photographs before you leave. You may need them for your insurance policy when you return.

[1] Contributing Authors, (March 10, 2015). “Prepare for floods and flooding”, REDCROSS, Source: http://www.redcross.org.uk/en/What-we-do/Preparing-for-disasters/How-to-prepare-for-emergencies/Floods-and-flooding

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Easy Ways to Prevent Erosion

eroded wallErosion[1] might seem trivial where water damage is concerned, but nothing is further from the truth, especially when you have a large garden. You could end up with water not flowing away from your garden, or even worse, water flowing back to your home. Luckily there are some easy ways to prevent erosion and they will not cost you that much money.

There are numerous ways to prevent erosion. A water catchment system can prevent water flowing back to your home. The system can also be used to divert water somewhere else, so it does not end up somewhere you do not want it to. Your solution can be as simple as a rain barrel, which is an inexpensive way to deal with excess water.

Some people have slopes in their garden due to erosion. A way to prevent erosion here is to get some plants near the slopes or even on the slopes. Be careful though, grass will not prevent further erosion so you will need to plant something different if you want it to work. A rain garden is a perfect example of how you can soak up excess moisture and stop runoff.

However, erosion really becomes problematic when it occurs right next to your home. It can influence the slope around your home and can cause water to flow in the wrong direction. If this is the case, you may have to switch from prevention to solution. Clay can be the perfect material to fix a problematic slope around your home. It is also a material that does not let water through easily, which may be beneficial for your home, but less for your garden. Take this into account when you use clay as a filling material.

[1] Peterson, Planet Green, Josh.  “9 Inexpensive Ways You Can Prevent Erosion” 11 January 2012.  HowStuffWorks.com. <http://home.howstuffworks.com/green-living/inexpensive-prevent-erosion.htm> 05 March 2015.

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How to Prevent Water Damage in Your Basement (Part 3)

Prevent Water Damage in Your BasementWe already discussed how clogged gutters and a problematic slope can cause water damage in your basement. Still, there are other factors to take into account when it comes to water damage, including the backwater valve[1], your basement windows and window wells, problems with your foundation, your subsoil drainage pipe and even a retention tank.

A backwater valve will prevent sewage water from backing up in your home, therefore it is a vital part of preventing water damage in your home. If you ensure that your backwater valves are properly sealed and maintained, you should not experience any problems whatsoever. You may want to call a professional for this, because cleaning a backwater valve is far from easy or pleasant.

When your want to prevent water damage in your basement, you will also need to take a look at your basement windows or implement some window wells if you do not have any. Ensure that your windows are properly sealed and that there are no cracks around the window well. If you need some decent solutions for your basement windows, call your local water restoration company for advice.

Your foundation may also become a problem, this is especially the case for older homes, where the weather elements have caused cracks or irregularities in the foundation of your home. If you are unsure that your foundation is causing water damage, check the bottom of your basement walls for white rings. These white rings are often a sign of water seepage and could indicate problems with your foundation.

Problems with your subsoil drainage pipe are considerably easy to discover. When your yard tends to flood during the spring, it is a clear sign that there is a problem with your subsoil drainage. This type of problem is not that easy to fix and will require you to call a water restoration company.

[1] Contributing Authors, (March 03, 2015). “Preventing Water Damage In The Basement”, DESJARDINSASSURANCESGENERALES, Source: http://www.desjardinsassurancesgenerales.com/sitecollectiondocuments/dag/en/water-damage-basement.pdf

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