Mavco Insurance Agency, Inc. (630) 655-2410
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February 2013
Flood Insurance

Protecting your home from flood damage ideally includes a multilayered strategy to keep your basement safe and dry. Many homeowners depend on waterproofing systems with integrated sump pumps to capture water and send it back out onto the landscape. But be cautioned: if your sump system empties water right next to the house, you will essentially be recycling the same water again and again. That means you may want to connect your sump evacuation system to a longer hose that takes the water you collect at least 40’ away from your home and if possible, slightly downhill so that the water is less likely to return to the basement walls or seep line along the foundation of your home. You can easily use PVC pipe and connector rubber gaskets to hook up multiple lengths of corrugated hose to take water out and away from your home.

Flooded House
Of course if heavy rain overwhelms your system or a sump pump fails at a critical moment, your best intentions can result in floodwaters building momentum, backing up sewers and drains. That’s not what you want. It always pays to install a battery back-up sump pump, which typically run between $100 and $450. If electricity fails, you’ll still be capable of removing water. Even if you already have a water removal system installed, now is a good time to inspect the chords and connections to make sure everything is functioning correctly.

Here’s a step-by-step checklist for spring and summer flood protection:
  1. Inspect your water removal system. If your sump pump is currently dry and out of use, pour in water to test the existing sump. Make sure there is no dry rot or clogs that would cause the sump to fail.
  2. Turn on all lights in the room and test the sumps when other powers sources are engaged – you don’t want to throw a circuit out of electrical whack.
  3. If you have multiple sumps, try running both at once if you can. Make sure the overall system is coordinated and does not result in backups.
  4. Consider purchasing a battery-driven backup sump and practice connecting it in the event one of your electrical sumps shuts down.
  5. Even after you’ve inspected your system, flood calamities can still happen, so check your home insurance policy to see if your coverage is adequate. Homeowner policies do not cover flood damage.

Spring Rains Bring Spring Floods…

The concept of a “100 year rain” seems to be getting tested on a regular basis across America. In the Chicago area this spring, a wide band of storms dumped as much as 6” of rain overnight. Retention ponds, streams and rivers overflowed. Moving and standing water blocked city streets. Sewers overflowed and massive evacuations became necessary as businesses and homes were left behind due to deep water. Areas where flooding has never occurred before were subjected to high water and expensive damage.

The lesson is simple. You can’t assume it won’t happen to you:
  • The National Flood Insurance Program (NFIP) notes that flooding is the #1 natural disaster in America, and occurs in all 50 states.
  • One in four flood claims are placed in areas designated as a low to moderate risk for flooding
  • Flood cleanup is seldom 100% effective, especially in the short term
  • Prized possessions are often lost, and home repairs can cost thousands of dollars.
  • Few homeowners’ policies contain protections against these risks.

It’s important to know if you’re protected in the event of flooding in your area.

Call 630-655-2410 today for a review of your homeowner’s policy or click below to learn more about flood insurance for your home.

Learn more about flood insurance for your home
Mavco is an independent insurance agency located in Hinsdale, Illinois. We provide personal and business insurance solutions, and specialize in supporting the complex needs of high net worth individuals and their families.

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