How to Prevent a Flood Insurance Claim in Vero Beach

While you may have flood insurance in Vero Beach, it is one of those things that you don't actually ever want to have to use. Using it would mean that you are suffering from a significant amount of water damage, likely from a storm. There are ways to prevent having to file a claim by being smarter about how you maintain your home, especially throughout hurricane season.

Gutters

Gutters are a great feature on your home because they send water away from the house itself. Without gutters, you may find that you have certain areas of your home where water simply accumulates. Gutters can be added to the front, back, or all around your house. The benefit is that when it rains you can be sure that the water is being sent away from the home, which can help to prevent flooding.

Trenches

Many homes in Vero Beach have trenches in front of them. These are used for purposes of drainage. Some homeowners choose to fill the trench is in for aesthetic purposes, however. This can be a mistake because when water accumulates, it has nowhere to go. This means that there is a greater chance of the water hanging around your home, working its way into your home and having a negative impact on the foundation as well.

It's best to leave the trenches alone. You don't want to block the drainage holes that are within the trenches, either. If you don't think that you have sufficient drainage, you can talk with a landscaping or architectural company to make some modifications on your property.

Follow the Weather

Hurricanes and tropical seasons in Vero Beach are part of the territory of living in South Florida. You want to make sure that you are following the weather so that you can be aware of various warnings and take action. For example, if you have had flooding issues in the past and you hear about a large storm, you may want to get sandbags and place them around different areas of your home so that you can minimize the likelihood of water gaining entry.

Having the Right Flood Insurance Policy

While you don’t want to file a claim, it’s good to have the necessary coverage so that if you have to, it will be accepted. Without flood insurance in Vero Beach, you may be paying out of pocket – and this can get expensive very quickly. Insurance agents can help you to find the right flood coverage so that you are covered in the event something bad happens. After all, if you can’t prevent the flooding, you’re going to want to file a claim so that you’re not financially responsible for it all.