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Continuous and heavy rainfall, cyclones or other weather disturbances can cause floods in both rural and urban localities. Such massive overflow can severely jeopardise the day-to-day livelihood of residents of a flood-ridden locality.
So, it is beneficial to have a comprehensive idea about what the effects of the flood on the house can be – and what you should do if you face such a scenario.
Some of the significant effects of the flood on your home include:
You may also like what's covered in Digit's Home Insurance Policy.
Floodwater mainly enters a house through either seepage or breakage. In the first scenario, the overflowing water can enter through the bottom clearance – the small gap in-between a door and the floor of a house.
Moreover, such seepage can also take place if there are any cracks in the walls which are otherwise unnoticeable. Especially if a house has succumbed to the effects of extreme flooding, water can seep through the porous materials your house structure is built with.
On the other hand, a house situated in comparatively lower lands can face a risk of water breakage due to flash flooding. During such an event, water is capable of moving at the speed of 9 feet per second. This excessive pace can move an estimated 100 pounds on the waterway.
Therefore, a flash flood can compromise the structural integrity of a house, with the water entering it via broken doors, windows, or ceilings. During such a deluge, a wall of water is also capable of reaching a height of a maximum of 20 feet. Therefore, impact damages from water flow, in addition to disfigurement caused by floating debris, can rupture the foundation of a house – allowing further water to enter a premise.
Additionally, water can also enter through the flood vents or the sewer system of your house.
Floods can be differentiated into several categories:
To make sure you can minimise the effects of flood on your home, you should follow a certain set of practices:
Time is of the essence when it comes to a speedy recovery from the effects of a flood on a home. As mentioned before, mould and mildew growth or soil erosion can begin in just a day or two of water stagnation. Such damages can cause long-time problems to the house itself and for the overall health of you and your family members.
Therefore, it is quintessential to start the recovery and restoration process as fast as possible. So, the first responders and rescue members must take swift action to avoid the risk of large-scale demolition.
In conclusion, floods are natural disasters which are common in the tropics and in the Indian subcontinent. Floods cause permanent structural damage to property and homes. They cause a buckled flood, frayed electrical wiring, electrocution, cracks in foundations, damaged rooftops etc. This article discusses at length about the typical effects of the flood on your home, its precautionary measures and restoration practices.
During flooding, you must take a safe shelter in the first place and avoid any contact with the water.
During flooding, you must take a safe shelter in the first place and avoid any contact with the water.
Standard housing insurance may not cover flooding damage. Therefore, it is best to consult your insurance provider beforehand when you purchase or rent a home.
Standard housing insurance may not cover flooding damage. Therefore, it is best to consult your insurance provider beforehand when you purchase or rent a home.
Yes, car insurance includes coverage for flood-related damage. If your vehicle is parked in a basement, driveway, or any low-lying area during a flood, this policy helps cover the cost of repairs or even replacement. For added protection, especially for critical components like the engine and transmission, the Engine and Gear Protection add-on is highly recommended.
Yes, car insurance includes coverage for flood-related damage. If your vehicle is parked in a basement, driveway, or any low-lying area during a flood, this policy helps cover the cost of repairs or even replacement. For added protection, especially for critical components like the engine and transmission, the Engine and Gear Protection add-on is highly recommended.
One should not walk in unknown waters, due to the presence of frayed electrical wiring which may cause severe electrocution. One should always use a stick for estimating depth of water inside one’s home and call officials to aid in flood control and home restoration.
One should not walk in unknown waters, due to the presence of frayed electrical wiring which may cause severe electrocution. One should always use a stick for estimating depth of water inside one’s home and call officials to aid in flood control and home restoration.