Row of victorian homes along a street

What You Do If Your House Floods - Plymouth Rock in NJ

Even if your home has never flooded before, it's a good idea to prepare a plan to minimize your losses. Every state including New Jersey experiences flooding from time to time. Of course, the time you have to prepare will impact what you can do if your house floods.

Will Your House Flood Soon or Has it Already Flooded During a Storm?

If you get caught by an unexpected emergency evacuation order or see flood waters rising into your home, you've probably run out of time to do anything but leave. For most people, a home is the biggest asset they own. At the same time, it's just a house and not as important as your safety.

Since you do not know how high the waters might rise, you do not want to get trapped on the second floor or attic if you can avoid it. Of course, if your exit route has already flooded, you may have no choice but to wait for rescue.

If you and your family are safe:

  Contact your insurance instructions to start your claim. If your home still has standing water, you might have to wait to return and for restoration work until the water subsides. In any case, expect your insurer to give you instructions about the best way to proceed. These companies have experience with flooding, and this is when you should rely upon it.

  Contact your electric, gas, and water companies to let them know about your flooded house. They may or may not give you instructions about shutting off breakers, gas appliances, and your main water valve. They usually don't advise people to shut off the main gas line during a flood because water can flow into the gas lines. If standing water has already flowed into the house, you may not be able to do anything safely and should just leave the utilities alone.

Do You Have Time to Prepare for a Possible Flood in Your Home?

You can plan and prepare for a safe retreat and quick recovery by taking these steps to make sure you have what you need when you need to leave:

  Prepare bug-out bags: These days, people refer to portable emergency kits as bug-out bags. Basically, they should contain survival essentials for at least three days.

  Have crates for pets: Animals like dogs and cats will need a crate and their own bug-out bag.

  Gather important documents: Gather the most important documents and contact information into a file or store copies offsite if possible.

  Have an escape plan: Know the routes to use to exit your neighborhood for higher ground. Make advance arrangements to stay with friends or relatives or to stop at a shelter or motel.

Check Your Homeowners Insurance for Flood Coverage

No matter how long you have to prepare, you may not have the power to prevent your home from flooding. Most homeowners find that their best defense lies in their flood coverage. In many areas of the country, typical homeowners policies don't cover foods from rainstorms, snow melt and other natural events. You can ask your homeowners insurance about purchasing flood insurance from the National Flood Insurance Program. Renters in these areas should also consider adding flood insurance to their renters insurance policies.

You can read information about the home insurance coverage options Plymouth Rock provides including discounts, and home insurance for a second home.  You can also find out more about five tips for home insurance savings.

For homeowners insurance quote, go online, call Plymouth Rock at 833-857-5848 or find a local agent and if you have any questions about what do you do if your house floods you can visit our Contact Us page.