Protecting your home from flood or water damage is essential as a homeowner, regardless of where you’re located in Wisconsin. Whether you experience minor flooding from your home’s foundation or excessive issues with your drainage system, safeguarding your property from spring flooding is crucial to prevent long-term, permanent damage to your investment. At OnQuote Insurance, we assist homeowners throughout the state in protecting their homes from significant flooding damage, especially as springtime approaches.
Assess Flood Risk Areas
If you live in Wisconsin, it’s important to determine whether your home’s location is listed as a FEMA-designated flood zone. You can check this information online to see if you’re in a high-risk area. However, keep in mind that approximately 25% of flood claims filed with FEMA come from low-risk areas. Factors such as clogged drains, heavy snow melting, frozen ground, and inland flooding can all increase your risk, even if you’re not in a high-risk zone.
Consider Adding Flood Insurance
Most homeowners’ insurance policies do not include flood coverage. If you’re at risk of experiencing flooding, it’s essential to consider adding flood insurance to your policy to protect your investment.
Prepare Your Property
Take proactive steps to reduce flood risks by installing a sump pump with a battery backup and elevating electrical systems to prevent damage. Seal foundation cracks and grade your yard away from your home’s foundation to minimize water accumulation. These measures can significantly reduce the likelihood of long-term flooding damage.
The right insurance policy can provide peace of mind and alleviate the stress often associated with water damage or flooding. Knowing your investment in your home is secure allows you to enjoy the benefits of homeownership even more. To learn more about flood insurance and protective measures you can take with your existing homeowners insurance policy in Wisconsin, contact OnQuote Insurance for a consultation today.