As a particularly warm summer comes to a close, hurricane season looms large on the horizon.
Unfortunately, South Carolina's charm doesn't exempt it from the possibility of facing down nature's wrath. To protect your investments and cherished spaces, you’ll need to go to bat
for your home – and that’s why Flooring Factory is here to explain exactly how you can fortify
your home and safeguard your new flooring investment. All you need to do is add your new floor's value to your home and flood insurance policy.
Hurricane Havoc: A Glimpse Into The Reality
Before we delve into the tactical steps, let's confront the truth. According to the National
Oceanic and Atmospheric Administration, the United States contends with 14 named storms
each hurricane season on average. With its captivating southeastern coastline, the Palmetto
State often finds itself in nature's crosshairs – and the financial toll is staggering. Those storms
collectively impose more than one hundred billion dollars in damage each year, which
leaves homeowners grappling with not just the emotional toll but the financial burden as well.
Enhancing Your Insurance Shield
In spite of all that, however, most standard home insurance policies do not automatically cover
flood damage – which leaves the value of that exquisite new floor hanging in the balance. But
worry not, because a few simple changes will make a world of difference in safeguarding your
home against nature’s wrath.
By purchasing supplemental flood insurance (which may be the law where your home is
located) and proactively integrating your new floor's value into your policy, you can
completely shield yourself from the storm overnight.
The Three Simple Steps To Padding Your Coverage
So, let's delve into the process of fortifying your floors against the looming hurricane season.
1. Valuation: First things first, equip yourself with a deep understanding of your new floor –
the materials purchased, the cost, the quality, and the dimensions. Armed with this
insight, you can approach your insurance provider with unwavering confidence.
2. Communication: From there, you’ll need to initiate contact with your home and flood
insurance company. Express clear intent to augment your policy with the new floor's
value. Share the intricacies you've gathered and be prepared to present any relevant
documentation, such as invoices from the renovation project.
3. Coverage Alteration: From there, your insurance provider will meticulously evaluate the
provided value of your floor and new value of your home to expertly recalibrate your
policy and premium. And while a slight increase in cost might arise, view it as a modest
investment in unparalleled peace of mind.
Extra Tips To Safeguard Your Floors This Season
After you’ve altered your policy, you can rest easy, even when the winds howl and rain
descends. But before the storm, you can do even more to ensure your home and flooring’s
resilience remains unquestionable. Here are a few additional suggestions:
● Clear The Path: Preemptively clear your flooring of any potential projectiles. Loose
items can quickly become hazards during a storm, thus causing unwarranted damage.
● Shield With Waterproofing: Consider the application of a protective layer to your
flooring in order to fend off impending moisture damage. Sealants act as formidable
barriers, repelling the water’s relentless advances.
● Elevate For Safety: Whenever feasible, elevate furniture to shield it from pooling water.
This seemingly minor effort can yield substantial rewards in safeguarding against
water-induced harm.
● Swift Cleanup: Following a storm, ensure swift removal of any and all standing water.
Lingering dampness lays the foundation for mold and mildew growth, endangering both
your home's aesthetics and occupants' well-being.
● Vigilance In Inspection: Adopt a habit of regular flooring inspections to promptly
address emerging wear and tear. By tackling minor issues head-on, you thwart their
evolution into something considerably more expensive.
Remember, your home is not merely a structure. It's an investment, an embodiment of your
personal style, a place where cherished memories are made and those you love are meant to
feel most safe. Rise to the occasion this hurricane season. Be proactive in protecting your home, your investment, and more importantly, your family.
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