Fall may feel like a calm stretch after a long summer, but heavy rain can arrive fast this time of year. At Melvin Gessner Insurance Agency in Willis, TX, we see how quickly a storm can leave families dealing with water in their homes. Here’s what homeowners should know.
Why Fall Storms Cause Sudden Flooding
Dry ground in early autumn can become hard and packed, making it unable to absorb a sudden downpour. Water runs off quickly and collects in low areas, driveways, and yards. Fallen leaves also clog storm drains and gutters, redirecting water toward your foundation instead of away from it. Remnants of tropical systems can add even more rainfall in a short period of time.
How Water Damages Your Home
Even a few inches of floodwater can ruin flooring, drywall, insulation, and electrical systems. Mold can begin growing within a day or two, and repairs often cost tens of thousands of dollars. Many people are surprised to learn that standard homeowners’ policies typically don’t cover flood damage, which is why a separate flood policy matters so much.
Steps to Take Before the Next Storm
Clear your gutters and downspouts, and make sure the ground around your home slopes away from the foundation. Move valuables off the floor in basements and garages. Keep important documents in a waterproof container, and photograph your belongings to make any future claim easier. Most flood policies include a waiting period, so it’s best not to wait until a storm is already in the forecast.
Protect Your Home Today
Flash floods rarely give much warning. Melvin Gessner Insurance Agency in Willis, TX, can walk you through your flood coverage options so you feel ready when the next storm rolls in. Call us today to learn more or to purchase a new policy.
