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April 4, 2021 By Rick Rolfs

Heavy Rain? Be on the Lookout for Heavy Water Damage

Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry.

Spring rainstorms are a fact of life in many areas of the country, and they help keep things green, even if they keep you inside. But when they get heavy, it’s time to start thinking about the potential impact all that water has on your home. The first step is finding and fixing any immediate problems as soon as it’s safe to do so. Then, you’ll want to take measures to prevent those problems from happening during the next downpour!

A homeowners insurance policy may provide coverage for water damage with or without limitations, but does not provide coverage for flooding. Obtain flood insurance coverage to insure your home for floods.

Where is all that rain going? Check the roof and gutters to avoid interior water damage.

Your roof and gutters form a key line of defense for your home – and in a storm, they’re vulnerable, because so many things can damage them. Trees, hail, and other objects can create weaknesses that might lead to leaks in your roof, so check for missing shingles and other issues. And keep your gutters clear so all that water drains properly.

Are you checking everywhere? wind driven rain can lead to water damage from the exterior walls and openings.

Water dripping from the ceiling is hard to miss. Water in your crawl space, however, can easily go undetected because hardly anyone ever checks there. Don’t forget to look down there after a storm (or have a professional do it) to make sure everything is nice and dry. If you do see moisture, you’ll want to get it out with a sump pump as soon as possible to avoid further water damage.

And don’t just look up – another place to check is your home’s exterior, whether it’s siding, brick, or another material. Weak spots can be hard to see, so look at various times of the day in different lighting conditions.

Of course, you’ll want to make sure your doors and windows are properly sealed to keep the elements out, too. Consider purchasing electronic water sensing devices to detect interior water intrusion. Should water make its way inside your home these water sensors can alert you to help immediately begin mitigating any water damage. The most basic water sensors can be purchased for as little as $10 a sensor.

What about around your property?

Storm water has to go somewhere, and if your property doesn’t drain well, or if runoff goes toward your foundation, you could have problems. So watch for patterns, and grade property so it drains away from your home if possible. Always be wary of hillsides and tilting trees after heavy storms, because the land might not be stable.

And don’t forget to keep storm drains clear of leaves and other debris. This can prevent flooding both on the streets and your own property.

What should you do during the storm?

During powerful storms, stay inside. This is not the time to check your roof, your exterior, or your property unless there’s an emergency and you know it’s safe to go out. Monitor your interior, making sure no water is getting in. If it is, do what you can to alleviate the situation in the moment, even if it means just placing something under a leak to collect the water to prevent further water damage. For more serious problems, though, remember that safety is the most important thing. If your basement is flooding, for example, don’t go down there – you could be trapped and even drown.

Thankfully, powerful storms only hit once in a while. Preparing for them, however, should be on your mind a lot more frequently, because the next one could be tomorrow.


Reposted with permission from the original author, Safeco Insurance®.

Top image by Flickr user Victor U used under Creative Commons Attribution-Sharealike 2.0 license. Image cropped and modified from original.

Filed Under: Flood Insurance, Newsletter articles, Water Damage, Weather Tagged With: Boca Raton, Broward, Deerfield, flood insurance, Florida, Fort Lauderdale, heavy rain, Hialeah, homeowners insurance, Lee County, Martin County, Miami, Miami-Dade, Miramar, Monroe, Palm Beach, Pembroke Pines, Port St. Lucie, protect your home from water, protect your property from heavy rain, rain, roof damage, roof leak, South Florida, spring storms, Storm Season, storms, wall damage, water damage, water damage insurance, water insurance, water mitigation, weather, Wilton Manors

February 28, 2021 By Rick Rolfs

Certificate of Authenticity…

A certificate of insurance is a document which evidences proof of insurance to its holder. It conveys an indication of insurance coverage including special designations such as additional insured status to its holder, as well as endorsements which may or may not extend and/or limit coverage. It is a legal document used to consummate contracts such as leases or loans, and may be utilized to imply coverage with regard to municipalities and other public entities to facilitate the issuance of permits for construction or other public events. The question is, how does a consumer know that the certificate is authentic?

One day, in walked a man with a document in his hand and he was looking for “you know who.” He said he was from the Division of Insurance Fraud Investigations and he needed to verify if a certificate had been issued by our agency. Upon a scan of our database and an examination of the form looking for tell-tale diagnostic signs as to whether or not it had come from our system, it was determined that the form was not produced by us. A sworn statement was requested and given to the investigator as a result of this due diligent process for use in the continuation of the investigation surrounding the potential fraud. Since insurance is woven into the fabric of our society and is mandated by law as well as in the support of business relationships, this kind of crime tears at the fabric of the public good. When fraud is discovered it should be reported to the proper authorities as these acts cost us all money, time and aggravation.

It is up to the consumer to mitigate this kind of skullduggery.

Prudence dictates that when requesting a certificate of insurance from a third party, that the document should be forwarded directly from the issuing agent to the certificate holder in order to prevent or limit the potential for chicanery. The document should be examined and understood by the holder, and if any questions should arise either the issuing authorized agent should be contacted and questioned or your own agent may be used as a resource to limit the possibility of shenanigans.

At Rolfs Insurance Services we provide our clients with advice and consultation when it comes to these matters. Feel free to talk to us if questions should arise when faced with these kinds of issues. Think of us as in your inner circle of advisors for knowledge and consultation with regard to these kinds of questions.

Filed Under: Newsletter articles Tagged With: additional insured, Boca Raton, Broward County, Business Insurance, Certificate, Certificate of insurance, Commercial Insurance, Florida, Insurance, insurance coverage, insurance fraud, Liability, Miami, Palm Beach, Pembroke Pines, Rolfs Insurance Services, South Florida

Call Rolfs Insurance Services to get an informed choice that provides peace of mind,
and the knowledge that you have proper financial protection in place — 954-251-3312

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