Tips to Prevent Winter Flooding in Connecticut

Posted on 25 January, 2023

Winter flooding can wreak havoc on homes, and it is vital to know how to protect yourself from liability and expenses. Floods are a common threat throughout the world. According to statistics, floods account for about 42% of all-natural disasters worldwide. Despite this prevalence, many people in the U.S. don’t think about this risk, which can leave you vulnerable to damage if a flood happens. It is especially true when it gets colder, and the risk of winter flooding increases. People in Connecticut may be vulnerable to such floods, so it’s essential to understand how to prevent a winter flood in CT.

Insurance for Winter Flooding

Read on to learn about flood prevention and why flood insurance is a must-have.

Get the Right Flood Insurance

Flood insurance offers the best protection against the damages and expenses that can result from a flood. Unfortunately, floods are one of the most expensive natural disasters you can encounter, so if you’re facing this situation without insurance, it can be costly. Consider, too, that most homeowner’s insurance policies do not include coverage for flooding. Flood insurance can fill this gap by providing coverage for the liabilities that emerge in the event of a flood, including any property damage.

Keep Your Gutters Clean

Backed-up gutters are one of the most common causes of winter flooding. It is because snow and ice often accumulate in gutters and wreak havoc when the water starts to melt. When this happens, it can even cause your gutters to break off from your home. Likewise, it can increase the risk of flooding by routing the accumulated snow and ice to the perimeter of your home.

Clear the Perimeter of Your Home

If broken gutters cause snow or ice to fall on your home’s perimeter, it’s essential to clean it up as soon as possible. If these materials melt, the moisture may seep into your home and cause a flood. It is also true of any snow or ice that accumulates due to the weather. Any time you see your home’s perimeter surrounded by these materials, you should take a moment to clear them away. It will prevent them from permeating the exterior or seeping into your foundation and causing cracks.

Keep Your Flood Insurance Active

You might face the temptation to cut back on your insurance coverage when winter arrives to save money. It’s unwise to scale back your flood insurance during these months. Doing so will leave you vulnerable to the exorbitant out-of-pocket costs that often accompany flooding. Instead, connect with your insurer to see if you need to upgrade your flood insurance coverage. It is a good idea if you live in an area prone to inclement weather or floods.

About Byrnes Agency

At Byrnes Agency, we offer insurance solutions that can be tailored to meet your specific needs. Whether you’re looking for personal policies or commercial coverage, we have the right coverage for you. To learn more about our products, contact us today at one of our two locations.

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Dayville Office

Phone: (860) 774-8549

394 Lake Rd

Dayville, CT 06241

United States

info@byrnesagency.com

Hours of Operation: Monday- Friday 9:00am-5:00pm

Norwich Office

Phone: (860) 886-5498

6 Consumers Avenue

Norwich, CT 06360