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July 29, 2010
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Home Improvement Projects Can Minimize Flood Damage

PHELPS COUNTY – It is never too early to prepare for a disaster, and with the ever-changing weather in Missouri, flooding is always a possibility. Whether it’s a river topping over a levy or a flash flood, Phelps County residents living in or near a floodplain should realize the importance of flood insurance.Flooding claims are not covered by your homeowner’s policy. A flooplain insurance policy can be purchased from a local insurance agency. While there is a 30-day waiting period before the policy is activated, flood insurance pays all flood-related claims regardless of a federal disaster declaration.

“It is less expensive to protect your property and your home before it is damaged than to repair or replace it afterwards,� explained Connie Willman of Meramec Regional Planning Commission, the agency that serves as the floodplain administrator for Phelps County. “In localized flooding, residents with flood insurance can repair their homes, replace their possessions and recover with a lower out-of-pocket cost than people without flood insurance.

“We hope that increased awareness of possible flooding will encourage people to take measures to reduce residential and personal property damage,� Willman added.

With residents looking to complete summer home improvement projects, they should think about taking practical, inexpensive steps to mitigate damage to their homes in the event of a flood:

  • Elevate or relocate water heaters, furnaces and major appliances. It is much easier to relocate these appliances to the first or second floor of a home. If they cannot be relocated, then you need to elevate the appliance to one foot above the base flood elevation (100 years) if known, or at least 12 inches above the high water mark from the last flood.
  • Raise electrical panel boxes, circuit breakers, wall switches and any electric outlets to one foot above the base flood elevation.
  • To prevent sewer backups, install a backflow valve either inside or outside the structure.
  • Install floating floor drain plugs at the lowest point of the lowest finished floor to allow water drain. When the flood drainpipe backs up, the float rises and plugs the drain.
  • Construct watertight interior and exterior masonry floodwalls. The floodwall can enclose utilities such as furnaces, water heaters, appliances and electrical systems in the basement of or lowest floor of a building. Outside, a similar masonry floodwall can be built around the perimeter of the basement opening. Properly constructed and anchored, these floodwalls can keep water out of the basement or away from utilities.
  • Anchor heating fuel tanks to prevent them from floating, overturning or breaking loose in a flood. Metal structural supports and fasteners should be non-corrosive and wooden structural supports should be pressure treated.
  • Take photographs or a video of your home and all contents and store the documentation in a safe place. This is helpful if you have to file an insurance claim or seek assistance following a community-wide disaster.

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Did You Know?    
 
 
Moisture may cause peeling paint
Peeling or cracking paint, on your home's exterior, may be a sign of a humidity problem or improper application. Pealing exterior paint is caused by moisture being absorbed through the back of wood siding and passing through to the exterior surface under

 


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   Home Improvement Terms

 


Today's Terms

Moisture-resistant drywall

Definition:
Also called blueboard or greenboard; a moisture-resistant (not waterproof) type of wallboard that can withstand high levels of humidity, often used in bathrooms, kitchens and laundry rooms.

Asbestos

Definition:
A common form of magnesium silicate which was used in various construction products due to it's stability and resistance to fire. Asbestos exposure, by inhaling loose asbestos fibers, is associated with various forms of lung disease

Roof certification

Definition:
A written examination of a contractor of inspector concerning the roof system is a roof certification. In some cases, financial institutions require a roof certification (roof cert) before issuing a mortgage.

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