National Flood Insurance Program, Facts and How they Occur
Flood water damage is the most serious type of water damage that can affect your home. The problems that follow water damage caused by flooding is greater than that caused by a broken pipe or a malfunctioning appliance.
The reason is that flood water is not just simple tap water. In flood water damage, the water that enters your house and damages several of your possessions can also pose a severe health risk. That’s why flood water is categorized as black water, the same category that holds sewage.
Aside from that, flood water is uncontrollable, unless the source of flooding such as the rain will stop first. You can’t keep flood from spanning the entire area of the house just by turning off the main water supply.
Thus, most flood water damage scenarios usually involve the entire house, not just one or a couple of rooms. This is why flood damage is way costlier than other types of water damage.
Flood Facts to Help You Control Flood Damage
Flood can cause severe damage to a home. But even though there is no way to stop the flood once it occurs, there are many ways to control the damage that it can do. Flooding is a process, and if you can slow it down, then you will be able to minimize the damage. To be able to do this, you first need to understand how flooding occurs?.
A flood is only the result when there is too much water within a specific time period that the usual discharge channels are unable to handle the flow. At some point, an erosion of any of the discharge channels may also occur, speeding up the flooding process. Thus, the first thing to do in a flooding is to try and keep the water from flowing in then to open all possible passageways through which the water can flow out.
Although you can’t completely control it, the least you can do is contain the flooding and keep it minimal. Do not focus on just getting water out without first figuring out how to block more water from coming in.
Flooding can be caused by many factors, some of which are natural and some of which are caused by man. The natural causes of flood are weather-related conditions such as heavy rains, melting snow, and a series of storms that occur within a short period of time. Harsh weather can also cause overflowing of water from rivers and oceans; this causes flooding in coastal or riverside areas.
Flooding can also be caused by other natural reasons that have nothing to do with weather. These include tsunamis caused by earthquakes or volcanic heating that causes unexpected snowmelt.
There are also some man-made causes, such as broken pipes due to faulty installation or poor maintenance by water supply authorities, clogged drains and canals, and sewer malfunctions. The most common man-made cause of major flooding, however, is the failure of a man-made dam.
Knowing the process and causes of flooding can help you protect yourself from them and do damage control when necessary.
Flood Warnings – Watching Out for Floods
A lot of floods occur without prior warning, leaving residents completely taken aback. It’s not surprising that flooding is considered as one of the most fatal disasters that can occur to a specific place.
Federal and environmental agencies, however, are doing all they can to give flood warnings in the earliest possible time if there is indeed a possibility of flooding. It helps to keep watch for these flood warnings so you won’t be caught in surprise.
Flooding is considered as a serious environmental threat, so flood warnings usually receive massive attention and are widely disseminated through mass or local media sources, depending on the situation. Thus, make sure to keep all media lines open, especially if you live in a coastal area or a place with a nearby river or lake or in an area prone to earthquakes and tsunamis.
National Flood Insurance vs. Personal Flood Insurance Plans
Flood water damage is not covered by your regular home insurance plan. For flood water damage, you have two options: first, to depend on the national flood insurance program; second, to purchase an additional flood insurance policy.
The national flood insurance program is offered by the US Department of Homeland Security. This program can help you protect your home or business from the financial damages of flood. The NFIP was created by the US Congress through the National Flood Insurance Act of 1968.
The NFIP is available to residents of local communities that have agreed to work hand in hand with the government in preventing future flood risks by joining floodplain management and other flood control projects. With this program, you can purchase flood insurance directly from the government. You can apply for federal flood insurance by contacting your local government insurance agency.
You also have the option of taking out a personal flood insurance policy privately. Flood insurance is widely offered by several insurance providers, usually as an optional add-on to homeowners insurance.
If you live in an area prone to flooding, do avail of more comprehensive flood insurance. But even if you live in a relatively safer location, it is still best to take out at least a minimal flood insurance policy, especially with the increase in the rate of environmental disasters that occur every year.
Famous Floods and What You Can Learn from Them
If you need more convincing as to why flood water damage insurance deserves some serious consideration, take a look at some of the worst flooding disasters that have occurred during the recent past.
The hurricane Katrina is considered to be one of the worst flooding disasters in US history. The 2005 flooding was caused by an Atlantic hurricane. The flooding is believed to have killed over 1,800 people and damaged property worth more than $80 billion. The disaster was further aggravated when the storm surged and when the flood levee system in New Orleans failed.
In many situations, the results of flooding are either so severe or the steps to repair damage done are so extensive that it behooves a homeowner to let professionals handle the situation. When disaster strikes your home, the worst thing that can happen is putting yourself in jeopardy again by making faulty repairs. It is nearly always recommended that you reach out to experienced organization in your area like Avalanche Restoration.