As a Californian, it’s important to understand the risks posed by floods in our state and the measurements you can take your home. This is especially true during the wet season when flooding can become a real concern. Knowing what type of insurance policies cover flood damages, as well as the measures you can take to protect yourself, your family, and your property in case of a flood, will help keep you safe and secure. Let’s take a look at what you need to know about floods in California.

What are Flood Risks in California?

California is known for its mild weather and temperate climate, but did you know that it’s also prone to flooding? Many areas of the state are located near rivers or close to coastlines, making them vulnerable to rising water levels due to heavy rains or melting snow. In addition, large cities such as Los Angeles tend to have an abundance of concrete surfaces which can cause rainwater runoff from urban areas into nearby rivers or streams. This kind of runoff can lead to flooding if the water level rises too high.

Insurance Coverage for Flood Damages

Since floods can cause serious damage to homes and other properties, it’s important that you have adequate insurance coverage. The good news is that most homeowners insurance policies provide coverage for some types of flood-related damage such as burst pipes or water seeping into your basement through cracks in the foundation walls. However, these policies typically do not provide coverage for structural damage caused by flooding (such as damaged walls or floors). For this kind of coverage, you may need another policy such as a separate flood insurance policy from the National Flood Insurance Program (NFIP).

Measures to Protect Your Home from Flooding

In addition to having adequate insurance coverage for potential flood-related damages, there are also several measures you can take to protect yourself and your property from flooding:

1) Make sure all windows and doors fit snuggly against their frames so that no water can enter through any gaps;

2) Install barriers around your property such as sandbags or sump pumps;

3) Keep sandbags on hand so they’re ready in case of emergency;

4) Store important documents such as birth certificates and bank accounts out of reach from potential flooding; and

5) Have an emergency plan in place so everyone knows what steps should be taken if there is a flood warning issued for your area.
 
 
  It pays off to be prepared for potential flooding risks here in California. Take steps now so that you know what type of insurance policies cover flood damages and how best to protect yourself and your property should a flood occur. By taking these precautions today, you’ll have peace of mind should disaster strike tomorrow. Click here and learn more about how Advantage America can help you get protected against floods.