As winter storms strike Southern California, homeowners in fire-ravaged areas are cautioned to guard their homes against the destructive power of flash floods. Recent fires have stripped hills of natural vegetation, raising the potential for catastrophic losses.
Most homeowner insurance policies protect against rain and wind damage and burst or frozen pipes, but damage caused by flooding is covered only through a flood insurance policy.
By taking a few simple precautions, homeowners can protect their property and prevent storm damage.
• Place sandbags strategically around the property to help divert natural flows of water from the hills and to protect areas where water could enter the home.
• Learn how to drain your swimming pool, and be prepared to reduce its water level as storms approach. Water damage from overflowing pools is not covered in your homeowners policy.
• Inspect any storm drains located on the street near your home. If they appear clogged or congested, report them to your city’s public works department.
• Inspect the trees on your property. Remove or cut back any branches that are rotted or could fall on your house.
• Inspect your roof for leaks and have them repaired immediately.
• Check the water pressure level in your house. If the level is too high, it could cause cold pipes to burst.
Though flood insurance is not included in a standard homeowner policy, it can be purchased through your agent from the National Flood Insurance Program. Premiums start as low as $250 for every $100,000 in coverage. While flood insurance can be purchased at any time, there is a 30-day waiting period before the coverage takes effect.
Landslides are not covered under a standard homeowner policy or a flood insurance policy. Inspect your land, and watch for trouble spots. Contact a specialist if you see signs of loose soil.
IINC is a non-profit, non-lobbying insurance trade association dedicated to helping consumers understand insurance and safety issues. To schedule an interview, call media relations at (800) 397-1679.
