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Tips to Prevent Household Floods
If you live in an area that is prone to flooding, you should be knowledgeable about how to prevent household floods because they could severely destroy your house structure and personal belongings and cause insurmountable loss. Here are some tips to help you effectively prevent household floods in BC.
Knowing how to prevent household floods can save you lots of money and stress.
Although floods are common in BC and can occur at any time of the year, they happen most frequently in spring and early summer due to heavy rain and melting snow. They can also be caused by storm surges, ice jams or damage to structures like dikes or dams. If you live in an area that is prone to flooding, you should be knowledgeable about how to prevent household floods because they could severely destroy your house structure and personal belongings and cause insurmountable loss. Here are some tips to help you effectively prevent household floods in BC:
Seal the cracks
One easy trick to prevent household floods is seal the cracks in your foundation walls and basement floors from inside of your home.
Install window wells and covers
Window wells and covers are designed to block debris and moisture from reaching your basement windows. Well covers and plastic sheeting can serve as extra protection from flooding.
Add a weeping tire or foundation drain
A weeping tire is important to household flood prevention because it is used for underground water collection and ensures that your house has proper drainage.
separate your weeping tile from the sanitary or storm sewer drain and install a sump pit and sump pump
Weeping tile connected to the sanitary or storm sewer drain increases water flowing into the municipal sewer system when it rains heavily, which is why you need a sewer backup. Ensure that you plant a sump pump (in its own sump pit) to move water to the surface where it can safely flow off.
Avoid dumping fats, oils, and grease down your drains
Dispose of these substances with your organic waste to minimize blockages.
To protect your home from unforeseen financial losses due to flooding, contact Maxxam Insurance to get a tailor-made home insurance coverage!
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Maxxam delivers a comprehensive and competitive policy that is tailor-made for you, your family, and your property.
Tips for Savings on Home Insurance
Whether you’re a first-time homeowner or you’re getting ready to downsize, there’s a lot to think about when you’re buying a new home.
MAXXAM WILL SAVE YOU MONEY
Whether you’re a first-time homeowner or you’re getting ready to downsize, there’s a lot to think about when you’re buying a new home — and once you’ve found your humble abode, the last thing you want to worry about is the cost of insuring it. Fear not! Maxxam Insurance has some money-saving tips to help you get the right coverage at the right price.
1. Newer is better.
If you’ve got the choice between an older home and a newly constructed one, keep in mind that many insurers give discounts on newer homes. It stands to reason — most new builds come with some sort of warranty and repairs aren’t generally an issue for the first few years of ownership. And to an insurer, that means fewer claims.
2. Skip the bank (if it works for you).
If you’ve worked hard to set aside a large down payment or have access to savings, consider opting for a less expensive home and go mortgage-free. This move could get you a discount from your insurance provider and help keep a little extra cash in your pocket.
3. Go for a higher deductible.
Choosing to pay a higher deductible in the event of a claim is a sure-fire way to reduce the premiums you pay. The higher the deductible you choose to pay, the lower your insurance rates will be. Just be sure you choose a deductible amount you’re comfortable paying if you need to make a claim down the road.
4. Keep claims to a minimum.
Of course, you want your home insurance policy to have you covered when you really need it, but keep in mind that many insurers give discounts to customers who are claims-free for a set period of time. It might pay to look at a low-value claim and assess if it’s really worth filing, or if it’s better to pay for minimal losses or damage yourself and keep your hard-won claims-free standing.
5. Embrace your age.
Insurance companies love mature homeowners — and what’s not to love? You’re generally more established financially, and past your “wild party” (read: damage-inducing) days. Look for a discount on your home insurance if you’re 45 and older.
6. Secure the perimeter.
Or at least install a company-monitored or self-monitored home security system to ward off break-ins. It helps to reduce your risk of damage and theft, and most insurance companies will reward your efforts with a discount.
7. Make your home more resistant to damage.
Some types of home improvements can help you save on insurance. Installing a sump pump or a backwater valve (or both!), for example, could reduce your chances of making a water damage claim — so it will generally reduce your home insurance premium, too.
8. Shop around with the help Maxxam Insurance.
Why pay more than you have to? A Maxxam Insurance Broker will listen to your needs and find coverage options at varying price points for you to choose from — and help point out other discounts and opportunities for savings that you might not be aware of.
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Author: Don McCormick
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