advertise your website Login Registration
Submission Guidelines Recent Approved Articles Featured Articles
Submit Free Article
Home About Us Advertising GuideLines Do's & Don't T & C FAQ Contact us
  Home Insurance Articles
HostJinni Promotions
Articles Category
Arts & Entertainment
Computers & Technology
Food & Drink
Health & Fitness
Home & Family
Home Based Business
Home Improvement
Just for Women
Kids & Teens
News & Society
Online Business
Online Tickets
Real Estate
Reference and Education
Self Improvement
Sports & Recreation
Travel & Tourism
  Member Area
Author Login
Free Registration
Authors From Country
  Helpful Topics
How to Write Articles
Free Early Approval Tips
Why Article Submission
  Best of Webzine
Leader Board
Most Viewed Articles
Top Rated Articles
  WebZine Status
Total Articles -22603
Registered Authors - 3968
Featured Articles - 340
Articles added this
month - 389

Storm And Flood Damage Your Home Insurance


Almost all home insurance policies provide cover against the costs of storm and flood damage. As an absolute minimum you should have buildings insurance which protects you against the costs of repairing, or in the worst case scenario, rebuilding your home.

You would be wise to take out contents insurance as well if you want to insure the things within your home as well as the actual building. Although you may have home and contents insurance, flood or storm damage can be very messy, time consuming and expensive to repair, and although you can buy new things, items with sentimental value will not be replaceable.

To avoid damage to your property from storms and floods, keep your house properly maintained. Prevent leaks by checking your roof and replacing any missing or damaged tiles.

Gutters should be cleared of debris such as dead leaves. Cut back overhanging or dead branches which could fall down in high winds. Back up your computer regularly, because lightning strikes can cause electricity surges that may damage your computer and other electrical appliances. Leaks and floods can also damage your hard drive and electrical equipment.

Even if you replace the computer, important files like family photographs will be lost. In a thunderstorm, unplug electrical appliances, telephones and computers. If you hear of a weather warning and you are concerned about flooding, then you should move any precious items, rugs, carpets and furniture upstairs if possible.

 Protect your important documents such as your insurance documents by placing them in a watertight container. Some things may be too large or too heavy to move, like your washing machine, but if possible you should raise these up onto bricks to try to keep them away from the water. Be prepared for the potential after effects by looking out your first aid kit, a battery operated radio, bottles of water and non-perishable food, and keep your pets inside.

If you are unlucky enough to suffer serious flood or storm damage, your home insurance policy may cover the cost of alternative accommodation, but cheaper policies are unlikely to include this. Think carefully about your needs when you take out the policy, as very cheap insurance is unlikely to give you all the financial protection you may need.

Contact your insurance company as soon as possible if your home or possessions are damaged by storm or flood, and do not throw away damaged items because the insurance company may be able to repair them and may not pay out to replace them. If it is very inconvenient or dangerous to keep damaged items, then take photographs as evidence before disposing of them.

Things to look for in a good home insurance policy include the cleaning, repair or replacement of damaged items, including the physical structure of your home. It is worth thinking about where you would like if your house was made uninhabitable and think about cover for the cost of alternative accommodation.

Make sure you do not underestimate the value of your belongings or property, and remember to keep an inventory with receipts so that you can prove your losses if the worst should happen.

Like this article..? Rate it here:  Votes | Average: 1 out of 5  Votes | Average: 2 out of 5  Votes | Average: 3 out of 5  Votes | Average: 4 out of 5  Votes | Average: 5 out of 5     2 votes, average: 2.5 out of 5    
About Author
Articles Stats
  Published Date - June 24 2009
  Total Views - 607
  Total Votes - 2
  Average Rating - 1
  Comments - 0
  Mr. Foster Carr
It only takes a few moments to get our house insurance quotes online with Kwik Fit Home Insurance.
Particular Article
Author Article
  • Advice on Home Inspectors Insurance That Covers Errors and Omissions
  • [2010-11-08 ]
    Many states require Error & Omission Insurance before a home inspector can obtain their license allowing them to perform inspections in their state. Home inspectors may need two types of insurance; general or premises liability and errors and omissions insurance. They need protection from potential lawsuits. Errors & omission insurance designed specifically for home inspectors focuses on the particular areas where inspectors need insurance Read More...
  • Common Misconceptions about Health Insurance Georgia Policies
  • [2010-07-21 ]
    If you have a pre-existing medical condition, sometimes an insurance provider will insist on a waiting period until you can receive benefits for treatment of that condition, but you will still be able to get approval and receive benefits on other medical care. Read More...
  • Health Insurance Georgia - Helping Your Way Out!
  • [2010-05-18 ]
    The article talks about the Health Insurance Georgia programs and discusses the advantages over the other health insurance programs. Read More...
  • Aetna Health Insurance – One of the Best Names in the Field Of Insurance
  • [2010-05-10 ]
    The article talks about how efficient services Aetna health insurance providers are offering to the Americans. Read More...
  • Insurance Industry in India
  • [2009-07-10 ]
    Insurance industry in India started in 1818 when the first insurance company was formed. Insurance Industry is regulated by the Insurance Regulatory and Development Authority (IRDA). Read More...
  • Ski insured
  • [2009-07-07 ]
    If you are thinking of heading off for an activity holiday on the slopes, thinking about insurance is a necessity. Read More...
  • Smooth sailing
  • [2009-07-02 ]
    Are you packed and ready to go? Do you have everything you’ll need to cover any event during the next few months backpacking around the world? Here are a few things you’d be foolish to forget. Read More...
  • Ski insurance policies
  • [2009-06-29 ]
    If you plan to take to the mountains for a skiing holiday soon, you’ll need an insurance policy which covers you sufficiently to give you piece of mind that you’ll be protected if anything goes wrong. Read More...
  • Storm and Flood Damage Your Home Insurance
  • [2009-06-24 ]
    Almost all home insurance policies provide cover against the costs of storm and flood damage. Read More...
  • Home Insurance for Tenants
  • [2009-06-24 ]
    Your landlord will probably have buildings insurance to cover the actual building that you rent. Read More...
  • Types of Home Insurance Cover to Consider
  • [2009-06-22 ]
    There are two main types of home insurance, buildings and contents insurance. Buildings insurance is for protection against financial losses if the actual structure or permanent fixtures Read More...
  • Home Insurance Tips
  • [2009-06-20 ]
    To get a mortgage you will normally at least need buildings insurance to protect you from financial losses if the house itself is destroyed or damaged, but you would need full home insurance including Read More...
  • How to get Cheaper Home Insurance
  • [2009-06-20 ]
    If you want to reduce the cost of your home insurance, you will as a minimum still need buildings insurance to cover the cost of repairing or rebuilding your home. Read More...
  • Student Housing Insurance
  • [2009-06-18 ]
    As spring turns into summer the time of year draws near when the next generation of university students starts considering where they’re going to spend (at least) the next three years. Read More...
  • Cheaper Housing Insurance
  • [2009-06-15 ]
    More often than not the most valuable item that people own (or part own) is their house. Read More...
      Submit Articles - Free Articles - Online Articles Submission  
      WebZine Articles ( is a registered trademark. All Rights Reserved. 2012