Severe weather events, such as floods and storms, can cause devastating damage to homes and personal property. While it’s impossible to completely eliminate the risks associated with these natural disasters, there are effective strategies to minimize potential damage to your valuable items. This article discusses the importance of elevating and protecting your belongings to mitigate costs during wind and flood events.
Understanding the Risks
Floods can occur due to heavy rainfall, storm surges, or the overflow of rivers and lakes. High winds from storms can lead to flying debris and structural damage. The impact of these events can range from minor inconveniences to catastrophic losses. Protecting your valuables is a crucial step in disaster preparedness.
Strategies for Protecting Your Valuables
1. Elevate Valuable Items
Furniture and Appliances
– Raise Elevation**: If you are in a flood-prone area, consider elevating your furniture, chairs, appliances, etc. at least 12 inches above potential flood levels. Use sturdy platforms or shelves to keep them safe as rising/moving water could tip them over.
– Secure Loose Items**: Use heavy-duty plastic bins with tight-fitting lids to store smaller items. This protects them from moisture and makes them easier to move if necessary.
Electrical Equipment
– Use Elevated Outlets: Install electrical outlets at a higher level to reduce the risk of electrical damage during flooding.
– Move Equipment Up: Place electronics, such as computers, copiers, A/V equipment, etc. on elevated surfaces. If possible, consider using waterproof containers for added protection.
2. Use Protective Covers
For Furniture and Appliances
– Waterproof Covers: Invest in waterproof furniture covers or tarps to shield items from rain and wind. This is particularly useful for outdoor furniture.
– Sealed Containers: Store valuables in sealed plastic bins to protect against moisture damage. Label bins clearly for easy access during emergencies.
3. Create a Preparedness Plan
Inventory Your Items
– Document Everything: Take photos and maintain an inventory of your valuable items. This will be helpful for insurance claims in case of damage.
– Store Important Documents Safely**: Keep important documents, such as insurance papers and property deeds, in a waterproof container or a safe.
Emergency Kit
– Prepare a Go-Bag: Include essentials like medications, important documents, and some personal items in a go-bag to have on hand if you need to evacuate quickly.
4. Landscaping and Drainage
Modify Your Landscape
– Grading and Sloping: Ensure your property slopes away from the foundation to direct water away from your home.
– Install Drains: Consider installing drains or gutters to manage water flow effectively.
Insurance Considerations
Before a storm hits, review your insurance policy to ensure you have adequate coverage for flooding and storm damage. Understand the difference between replacement cost and actual cash value, and consider additional flood insurance if you live in a high-risk area.
Conclusion
While the threat of floods and storms can be daunting, taking proactive measures to elevate and protect your valuable items can significantly reduce damage costs. By implementing these strategies, you can safeguard your belongings and ensure greater peace of mind during severe weather events. Always stay informed about weather forecasts and have a plan in place to protect your home and valuables.