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Prepare Yourself for April Showers!
By: Jaci Buscher | Date March 23, 2015
Colorado is notorious for changing and unpredictable weather, but there is one thing that we can always predict: it will rain (a lot) in April and there will be floods. That is why we want to make sure our customers are prepared and won't be the victims of yet another flooded basement or leaky roof.

To begin with, it is incredibly important to understand that home and renter's policies exclude flood. That means that if surface water leaks into your home in any way (such as under doors, through cracks in the foundation, or up from overflowing draining systems), you won't be able to file a claim for it unless you have purchased a separate flood policy. If you have any questions about this, please give us a call.

To be prepared in the case of a flood, there are three simple steps to follow:

Safeguard your possessions. You should know exactly where you can find important documents such as your insurance policy, agency contact information, finance records, and receipts of major purchases. Furthermore, you should continually be updating your household inventory with pictures and videos as you make new purchases. Don't forget about the things stored in your basement, attic, and garage because those are the most likely to get damaged. This inventory will prove to be very helpful if you ever need to file a claim.

Prepare your house. Most importantly, clear leaves and other debris from your gutters and downspouts. Also, make sure that the electrical components on the side of your house (switches, sockets, circuit breakers, wiring) and large appliances (furnace water, heater, washer, and dryer) are all at least 12 inches above your home's projected flood elevation. If you are lucky enough to have a sump pump, test that it is still functioning properly and install a battery-operated backup in case of failure. You may want to consider installing a water alarm to let you know if water is in fact accumulating in your basement.

Develop a family emergency plan. Drinking water, canned food, first aid kit, blankets, a radio, and a flashlight should all be easily accessible in your home in case of any emergency, not just a flood. Teach your children how to dial 911 and where in the home they should go for different types of storms (tornado, flood, etc). Also, discuss a plan for how to protect your pets in the case of an emergency, they're part of the family too!

By taking these few steps now, you may save yourself a whole lot of heartache and headaches in the future. As always, if you do fall victim to water's wrath, know that we are here to help you!