Five Reasons Why You Should Get Commercial Flood Insurance Right Away
Don’t wait until it’s too late to get flood insurance for your business.
Commercial Flood Insurance
If you have a business in Rolando Village, CA, it can be extremely stressful to deal with the damage a flood can cause. Having flood insurance is sure to take some of the financial burden off your shoulders and let you rest assured that your business will return to normal. If you don’t already have commercial insurance in case of a flood, here are the top five reasons why you should make sure your business is covered as soon as possible.
1. Insurance Covers Most Types of Flooding.
Your business will be covered for any flood damage that covers a minimum of two acres or affects more than one property. Whether this flooding is caused by heavy rain or a blocked storm drain, your flood insurance will cover it.
2. Mold or Mildew Caused by Flooding Is Covered.
If your business experiences any issues with mold or mildew that directly results from flooding, your insurance will cover the costs of fixing any damage. You will likely need a flood restoration specialist to deal with necessary repairs.
3. There Is a 30-Day Waiting Period.
Don’t wait until a storm is on its way to get insurance. After purchasing insurance, there is a 30-day waiting period before the policy starts providing coverage.
4. Some Locations Require a Commercial Insurance Flood Policy.
If Rolando Village, CA, is a high-risk flood area, you might be required to get extra coverage in case of a flood if your mortgage is through a federally regulated or insured lender. You don’t want to run into any issues with your mortgage company, so you will want to make sure you get flood coverage.
5. Floods Can Happen Anywhere.
Although most people who live in areas where flooding is common know the damage a flood can cause, people living outside these areas often aren’t aware of how devastating flooding can be. Even if your business is not located in a high-risk flood area, flooding can still occur. Areas that get extremely cold in the winter or experience a lot of precipitation are especially prone to flooding.
Don’t wait until it’s too late to get flood insurance for your business. Make sure your business is covered in case of a flood so that you can rest assured your business and all of your assets are protected.
Steps To Prepare Your Home for Storm Season
Put together a pack with water and food for a few days.
Preparing Your Home for Storm Season
It’s true that heavy storms can come any time of the year. However, each region has a specific storm season. Before big storms threaten your home in Oak Park, CA, there are a few precautions you can take.
Before you secure your home, take a few steps to be sure you and your family stay safe from flood water:
- Make a plan
- Get extra prescription medications
- Put together a pack with water and food for a few days
- Have a way to listen to emergency broadcasts if the power goes out
In addition to completing these tasks, you should prepare your home to keep it safe from water damage.
Schedule Routine Maintenance
Every spring and fall, you should have a professional clean out your gutters and storm drains. This can make sure your system directs flood water away from your home. You should also verify that your roof is in great condition, as even small damage can cause significant problems during a storm.
Check Your Landscaping
Landscaping is more than just a beautiful display of plants. It can also function as a way to prevent having a flooded building on your hands. Be sure that your yard has a slope that takes water away from your home. Retaining walls can help with this.
Furthermore, you should check to ensure that the root systems of your trees are not damaging your foundation. Even small cracks can let flood water in and wreak havoc on your home.
Know What To Do in an Emergency
Some things you can't do until a storm is imminent. For example, you can keep your gas on until big storms are immediately coming. However, you can learn now how to turn off your home’s gas, water main, and power. Be sure that other adults in your home also know how to perform these tasks.
Get ready before a big storm hits Oak Park, CA. Follow each of these steps and be as prepared as possible. If you still get water damage, be sure to call a cleanup crew immediately.
Prepare for the Storms in San Diego, CA
San Diego is not known for its horrible weather. In the past year's San Diego, CA has been considered high risk for drought, but this was officially overturned in 2019 as rain has become part of California’s climate. During the 2019 and 2020 rainstorms, many residents were unprepared for the heavy showers. Many homeowners suffered from ceiling or roof leaks, floods, and some from groundwater seeping into their homes. Water damage is amongst the most expensive home repairs and oftentimes many insurance companies do not cover floods. Here are some simple steps you can take in order to prepare for the rainy season.
Get Your Roof Ready For The Storm
The first step is getting your roof inspected. Having your roof inspected will let you know the reality of damage in your home. You may or may not have proof of roof damage. Roof damage prices vary depending on the repairs so it is hard to say what the cost will be before a proper inspection. Having your roof repaired will cost money but in the long run will save you money because water damage repairs require a lot of steps, time, and resources.
Having your roof inspected is also important, regardless if your roof is damage-free having your ceiling fixed will add an extra layer of protection. This will also avoid any possibly small roof leak to avoid entering directly into your home.
Make sure your Windows and Doors are Closed
Make sure your windows and doors are closed during possible rainstorms. It can get hot in certain areas of San Diego, CA but it is not worth having your home soaked for hours. Keep the windows and doors shut.
Having appropriate rain gear is crucial during rainstorms. In case a rainstorm occurs having a spare of rain boots will really come in handy when trying to move around your home. Also having spares of sandbags in your home will also soak up excess water in case groundwater enters your home from the garage or doors.
Make sure Trees are Trimmed
Rainstorms are often accompanied by heavy winds, this is why it is important to have surrounding tree branches trimmed. This will avoid any trees from falling onto your home that may lead to reconstruction.
Make sure to call SERVPRO of Mid-City San Diego if you have an emergency during a heavy rainstorm. Call us at (619) 280-2398 we are happy to serve you 24/7.
How to Prepare for A Rain Storm during the San Diego Flash Flood
Roof leaking from rain storm in San Diego, CA.
There has been a lot of rain in San Diego, CA these past couple of days. SERVPRO of Mid-City San Diego has worked on multiple projects that were due to the surplus of rain. We had several people call us in the late of night due to leaks caused by the rain. Sometimes these leaks are unavoidable, but we want to prep you for the next storm.
There are various forms on getting prepared for the rainy weather. Here are some tips to avoid rain damage.
- Plant shade trees or palm trees at least 20 feet away from your home.
- If you have gutters, make sure they are clean.
- Ensure there are no leaks on your roof, I will add an article below with specifics.
- Check for damage on your resident housing and repair if needed.
- Weatherstrip windows and doors when you are aware of rain forecast.
- Have your trees trimmed.
How to Find & Repair Roof