Blog Layout

Prevent Water Damage During Rainy Season

May 24, 2022

See How We're Different

GET A QUOTE

or call us: 303-834-1001

With rainy season in full swing, preventing water damage is a real concern and you need to be prepared.

Did you know May is the rainiest month here in Colorado? Because of the recent local wildfires, the rain is a welcome sight. That is, unless all that extra water ends up causing damage to your home. 

Basements are especially prone to water damage and it’s estimated that 98% of basements in the U.S. will have some type of water damage during their lifetime. If it happens to your home, you could face large repair costs or a decline in indoor air quality associated with mold and mildew.

To prevent water damage in your home: 

  1. Check your foundation for leaks by looking for cracks, moist drywall or water spots
  2. Seal your windows and make sure doorways are fitted tight to the frame
  3. Keep your gutters clear of debris, direct downspouts away from the house, and make sure the landscaping around your home is sloped so any water will flow away from the foundation
  4. Test your sump pump to make sure it is working correctly. Install a battery powered back up in case of a power outage and use an alarm system to detect water in your basement. 
  5. Store your items in plastic containers in the basement, and keep them at least one foot off the ground if possible

 

How do you know what’s covered by your insurance policy? 

The first step is to understand the difference between flooding and water backup. 

Most homeowner’s policies include some coverage for water backup damage. Water backup occurs when water or water-borne materials back up into your home. This can come from sewers, drains, a sump pump, or related equipment. 

Most homeowner’s policies don’t cover flood damage. Flooding occurs when water enters a home through windows, doors, window wells, or cracks in the foundation. This can be caused by an overflow of rivers or lakes, melting snow, or even excessive rainfall. 

Contact us to make sure you have the proper coverage and to discuss higher limits for water backup. If you live in a flood zone or have concerns about flood damage, we can make sure you have the proper flood insurance coverage. 

 

What are the lesser known signs of water damage?

When you see several inches of water on the floor, it’s obvious that something’s wrong but some clues can be easier to miss. These are common signs of basement water damage that may not be as noticeable: 

  • Single or networked cracks in walls and floors 
  • Flakes of cement spalling from surfaces 
  • Efflorescence deposits accumulating on walls 
  • Crumbled or rotted wood, drywall and plaster 
  • Yellow- or brown-tinted discoloration on surfaces 
  • Water coming into the basement where walls meet floors 
  • Pervasive, unpleasant smells especially around drains 
  • Mold growth and stains on porous materials and furnishings

Many of these signs aren’t obvious so it’s a great idea to make downstairs inspections a part of your home maintenance routine. This strategy helps you stay ahead of basement moisture problems before they get worse.

Whether your home is threatened by flooding or water backup this spring, take these precautions so you can kick back, relax, and enjoy the season without the worry of water damage.

Article By:

John Jacquat

Founder & President

Recent Posts

New Regulations and Coverage Updates: What's Changing in Colorado's Commercial Property Insurance La
By fiverr 1 19 Jan, 2024
Stay protected with commercial property insurance in Colorado. Learn about new regulations and coverage updates for effective risk management.
Navigating a Nightclub Insurance Claim: A Step-by-Step Guide
By fiverr 1 19 Jan, 2024
Navigate nightclub insurance claims successfully with our step-by-step guide. Learn about policy elements, common claims, and tips for a smooth process. Get back on your feet faster!
Shopping for Nightclub Insurance: Strategies for Finding the Best Policy
By fiverr 1 19 Jan, 2024
Protect your nightclub with comprehensive insurance. Learn about key aspects, find the best policy, and reduce costs with safety measures and smart strategies.
Partnering with an Insurance Broker: Benefits for Nightclub Owners
By fiverr 1 19 Jan, 2024
Secure your nightclub with comprehensive insurance coverage. Explore key aspects, find the best policy, and reduce costs with safety measures and strategic tips.
Emerging Risks for Nightclubs: From Cyberattacks to Active Shooters
By fiverr 1 19 Jan, 2024
Navigate the evolving risks of nightclubs with our guide. Explore cybersecurity threats, active shooter scenarios, and effective risk management strategies. Stay prepared and safeguard your establishment.
Show More

Speak with us today!

We can help you with any of your insurance needs!

New Regulations and Coverage Updates: What's Changing in Colorado's Commercial Property Insurance La
By fiverr 1 19 Jan, 2024
Stay protected with commercial property insurance in Colorado. Learn about new regulations and coverage updates for effective risk management.
Navigating a Nightclub Insurance Claim: A Step-by-Step Guide
By fiverr 1 19 Jan, 2024
Navigate nightclub insurance claims successfully with our step-by-step guide. Learn about policy elements, common claims, and tips for a smooth process. Get back on your feet faster!
Shopping for Nightclub Insurance: Strategies for Finding the Best Policy
By fiverr 1 19 Jan, 2024
Protect your nightclub with comprehensive insurance. Learn about key aspects, find the best policy, and reduce costs with safety measures and smart strategies.
Partnering with an Insurance Broker: Benefits for Nightclub Owners
By fiverr 1 19 Jan, 2024
Secure your nightclub with comprehensive insurance coverage. Explore key aspects, find the best policy, and reduce costs with safety measures and strategic tips.
Emerging Risks for Nightclubs: From Cyberattacks to Active Shooters
By fiverr 1 19 Jan, 2024
Navigate the evolving risks of nightclubs with our guide. Explore cybersecurity threats, active shooter scenarios, and effective risk management strategies. Stay prepared and safeguard your establishment.
builders risk insurance
06 Sep, 2023
Comprehensive guide on builder's risk insurance in Colorado, covering its importance, coverage specifics, and the claim process. Essential reading for contractors and property owners involved in construction to ensure optimal project protection.
golf course insurance colorado
06 Sep, 2023
Discover the intricacies of golf course insurance in Colorado, tailored to the unique risks of golfing venues. Dive deep into its importance, the various coverages available, factors affecting its costs, and tips to select the best insurance provider. Protect your golf course and its patrons efficiently.
strip club insurance
16 Aug, 2023
From slip and fall accidents to property damage, gentlemen's clubs face unique risks. Explore the essential insurance coverages for strip clubs, understand the costs, and learn how to safeguard your business, employees, and patrons effectively.
By John Jacquat 01 Aug, 2023
Running a business comes with a variety of risks and uncertainties. That’s where business insurance provides protection and peace of... The post Understanding the Basics: What You Need to Know About Business Insurance appeared first on Pure Risk Advisors.
By John Jacquat 14 Jul, 2023
Summer is a season of relaxation, outdoor activities, and quality time with loved ones. However, it’s essential to be aware... The post Tips for a Safe and Secure Summer Season appeared first on Pure Risk Advisors.
More Posts
Share by: