Flooding is one of St. Augustine, FL’s most common and costly natural disasters. According to the National Flood Insurance Program, floods cost Americans more than $5 billion in damage yearly. While you can’t control the weather, there are things you can do to reduce your risk of flood damage. Here are a few tips from Tim Huber Insurance to help you protect your home from flooding.

What can I do to help keep my home safe from floods?

You can do a few things to help keep your home safe from floods. First, please ensure your gutters and downspouts are clear and in good working condition. This will help ensure that water can flow away from your home rather than pooling around it. You should also check your home’s foundation for cracks or gaps that could allow water to seep in. If you find any, seal them with caulking or another appropriate material.

Another good way to help protect your home from flooding is to create a buffer zone around it. This can be done by landscaping with native plants and trees resistant to flooding. If you live in an area prone to floods, consider installing a sump pump and a French drain. These systems can help remove water from around your home before it has a chance to cause any damage.

Does homeowners insurance cover flood damage?

No, homeowners insurance does not cover flood damage. Flood damage is typically only covered by a separate flood insurance policy.

Where can I learn more about flood insurance?

If you’re a homeowner in St. Augustine, FL, you may wonder if you need flood insurance. Tim Huber Insurance can help you understand your options and make the best decision for your needs. Flood insurance is essential to have in this area, as flooding is a common occurrence. We can help you get the coverage you need to protect your home and belongings. Feel free to give us a call today to learn more.