Whether you’re a homeowner, renter, or business owner, taking steps now can help prevent the headaches of unexpected flooding, water damage, and costly repairs.
Understanding the Risk: Why Spring Brings Flooding
Spring flooding happens for several reasons:
- Melting Snow: Large amounts of snow can melt rapidly when temperatures rise, overwhelming drainage systems.
- Frozen or Saturated Ground: The ground may still be frozen or too saturated from winter precipitation, preventing water from absorbing properly.
- Heavy Spring Rains: Seasonal storms can dump inches of rain in a short time, increasing flood risks for homes and businesses.
Even if you don’t live near a river or lake, urban flooding from overwhelmed storm drains and backed-up sewers can cause significant damage.
Preventing Flood Damage
1. Inspect and Maintain Your Gutters & Downspouts
Your gutters and downspouts play a crucial role in directing water away from your home. Once it is warm enough to safety do so:
✅ Clean out leaves, ice buildup, and debris from gutters.
✅ Make sure downspouts extend at least 6 feet from your foundation.
✅ Consider adding gutter guards to prevent clogging.
2. Check Your Sump Pump (or Install One!)
A sump pump is your first line of defense against basement flooding- make sure it’s working!
✅ Test your sump pump by pouring water into the pit to ensure it activates.
✅ If you don’t have a sump pump, consider installing one, especially if your home is in a flood-prone area.
✅ Add a battery backup to keep the pump running during power outages.
3. Seal Basement Cracks and Leaks 
Even small foundation cracks can let in unwanted water, be sure you check for them!
✅ Inspect your basement walls and floors for cracks.
✅ Use waterproof sealants to patch any gaps.
✅ If water issues persist, consult a professional for additional waterproofing solutions.
4. Elevate Valuables & Important Documents
Flooding can happen quickly, so protecting your valuables is key.
✅ Store important documents, electronics, and sentimental items in waterproof containers.
✅ Elevate furniture, appliances, and storage items off basement floors.
✅ Consider using shelving or plastic bins instead of cardboard boxes for storage.
5. Keep Storm Drains and Nearby Sewers Clear
Urban flooding often happens because drains get clogged with debris.
✅ Regularly check the storm drains near your home and remove leaves, trash, or snow buildup.
✅ If you notice persistent drainage issues in your neighborhood, report them to local authorities.
Insurance Considerations: Are You Covered for Flooding?
One of the biggest misconceptions about homeowners insurance is that flood damage is not typically covered under a standard policy. Instead, you may need:
✔ Flood Insurance: Available through the National Flood Insurance Program (NFIP) or private insurers, this covers damage from rising water and natural flooding events.
✔ Sewer Backup Coverage: Adds protection in case of water damage caused by backed-up drains, sump pump failures, or sewer overflows.
✔ Comprehensive Auto Insurance: If floodwaters damage your vehicle, this coverage can help with repairs or replacement.
If you’re unsure about your coverage, now is the perfect time to review your policy with your insurance agent before the spring thaw hits. We are here to help you do this!
What to Do If Flooding Happens
Even with the best prevention efforts, water damage can still occur. If you experience flooding:
🚨 Stay safe – Avoid entering flooded areas with standing water, as they may contain electrical hazards.
📷 Document the damage – Take photos and videos of the affected areas before beginning cleanup.
📞 Contact your insurance provider – Start the claims process as soon as possible to receive assistance.
🧼 Begin cleanup quickly – Mold and mildew can grow within 24–48 hours, so drying out your space fast is critical.
Spring flooding can be unpredictable, but a little preparation goes a long way in keeping your home and belongings safe. By maintaining your gutters, checking your sump pump, and reviewing your insurance coverage, you can welcome the new season with confidence.
Need to Review Your Insurance Policy?
Our team is here to help! Whether you have questions about flood insurance, home coverage, or policy updates, we’re happy to guide you through your options. Contact us today to ensure you’re fully protected before spring arrives!
