Monthly Archives: March 2015

As spring approaches, so does the risk of flooding

After what seems like an eternal winter in New England, temperatures are finally beginning to warm up as we approach a dim (but glowing, nonetheless) light at the end of the snowy tunnel. While spring brings the promise of warm weather and longer days, it also brings conditions that will increase the risk of floods. And now that this winter’s unprecedented amount of snow is beginning to melt (yay!), possible flooding should be top of mind.Flooded interior

No matter where you live – urban townhouse, coastal beach house or suburban family-home – flooding can happen anywhere with little or no warning. So, even if you think you live in a safe area, as the snow begins to melt and spring rains arrive, it’s important to be prepared and understand flood risks.

Pro tip: Check out FEMA’s flood hazard maps to find out exactly how risky your community is

Spring into action: Take steps before a flood

  1. If you live in a high-risk area, prepare an emergency kit so you’re ready to go in the event of a flood. Items should at least include:
  • Bottled water
  • Non-perishable food
  • First Aid kit
  • Flashlight with extra batteries
  • Essential medicines
  • Extra cash
  • Family and emergency contact information
  • Extra change of clothes
  • Important insurance and financial documents

For a full list of recommended items, visit The American Red Cross

2. If you live in a high flood-risk area, also consider having a professional evaluate your home’s furnace, water heater and electrical panel and determine if any modifications need to be made to decrease the chances of water damage

3. Secure your basement as it’s the most vulnerable space when it comes to floods. Begin with checking and sealing any cracks in the foundation to prevent leaks. Check out these comprehensive instructions on readying your basement from the Insurance Institute for Business & Home Safety

Stay alert: What to do during a flood

Stay tuned to local broadcast stations (tv and/or radio) for updates on flooding in your area. If you need to evacuate, remember:

  • Shut off all utilities including gas, water and electricity, remember to unplug appliances
  • Do not walk through moving water. Water 6 inches deep is enough to knock you over
  • Do not drive in flooded areas. If you need to, abandon your car and seek higher ground immediately
  • Be aware of evacuation shelters in your area

Remain vigilant: What to do after a flood

  • Only return home when authorities have deemed it safe to do so
  • Before entering, check for downed power lines, damaged gas lines, foundation cracks or other damage
  • If you smell gas or suspect a leak, turn off the main gas valve, open all windows and leave the house immediately. Call the fire department
  • Turn off the electricity at the main breaker or fuse box and avoid downed wiring. The smallest electrical spark could be dangerous
  • Throw away any food and properly dispose of cleaning products, batteries, paint and other chemical-based products that could’ve been damaged by the flood waters. Make sure to wear protective gear (gloves, mask, rubber boots, etc.) when cleaning up
  • Contact your insurance carrier right away if you need to file a claim
  • Download this free e-book from the American Red Cross that covers everything from:
    • Returning to your home safely
    • Protecting your belongings from further damage
    • How to properly file insurance claims
    • How to check for gas/water leaks

Even if floods are few and far between in your area, it never hurts to be prepared. And now that this winter’s snow is beginning to melt, it’s even more important to be aware of the potential dangers of flooding.

Headquartered in Boston, Bunker Hill Insurance provides home insurance to customers in Massachusetts and Connecticut. Bunker Hill is a member of The Plymouth Rock Group of Companies, which together write and manage over $1 billion in homeowners and auto insurance throughout the northeast.