With the recent heavy rains in DFW (and more in the forecast), here are some tips on protecting your home from flooding. This was originally posted by Gwen Moran for HouseLogic. The original post can be found HERE.

Flooding is the most common natural disaster in the United States, causing $2.7 billion in losses between 2001 and 2010, according to the National Flood Insurance Program, a government-sponsored pool that provides flood insurance to home owners.

Your homeowners insurance policy doesn’t cover flooding: You generally need to buy a separate flood insurance policy. The key to reducing flood damage is to take precautions, which in many cases you can accomplish in a few hours to a few days.

Protect Your Home

It’s not a good idea to bet the odds — 20% of flood claims come from places where the flood risk is low, according to floodsmart.gov. Check with your insurance agent to see what flood insurance will cost you. If you live in a community that participates in the National Flood Insurance Program, you can buy an NFIP flood policy. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding, according to NFIP.

Protect Yourself

If you live in a high-risk area, it’s a good idea to have a “go-bag” ready in case you need to leave quickly. Include:
A few changes of clothing for you and family members
Insurance policy numbers
Phone numbers of your agent
Your insurance company’s main number
Essential toiletries
Money to get you through a few days

It’s also wise to have an evacuation route mapped out and to have a location to which you can go, such as a loved one’s home or hotel. Always follow the direction of local and state authorities if ordered to evacuate. Remember: Your possessions and your home are small comfort if your family is injured or worse.

Preventative measure: If you believe water will begin to accumulate in your home, shut off power at the main electrical panel in your home, says Bill Begal, owner of Begal Enterprises, a Rockville, Md., disaster restoration company. But never stand in water to do so — if the area around the box is already flooded, leave it alone.

In addition, know what to do in the first 24 hours after a flood to avoid additional risks to your health and home.

Keep Water from Damaging Your Home with Flood Control Tips

Before your rainy season or spring thaw begins, take these 10 steps to protect your home from water damage:

1. Fix leaks immediately. Leaky roofs and foundation cracks allow water to get into your home, which can weaken the structure and provide a perfect habitat for mold. When you see wet spots on the ceiling or cracks in the foundation, fix them as soon as it’s safe to get up on the roof or the material is dry enough to repair. Check that roofing shingles are secure.

2. Spring for extra roof protection. When it’s time to replace your roof, spend a few hundred dollars more to install a rubber roof underlayment, a waterproof barrier that goes under the shingles and protects the roof from water intrusion.

3. Close foundation cracks with mortar and masonry caulk or hydraulic cement, which expands and fills gaps completely and costs only a few dollars. Don’t patch solely with mortar or cement, which may crack again. If water is a recurring problem, be sure to investigate other solutions for issues like wet basements.

4. Clear gutters and drains. Keep gutters and drainage systems clear to carry water away from your home. Check storm drains on your street, as leaves and debris can block them, causing water to collect.

5. Invest in a battery-powered sump pump. Sump pumps let you pump water out of your home and can be an excellent defense against flooding — unless they’re powered by electricity and the power is out. Battery-powered sump pumps are a relatively inexpensive ($150-$400) solution.

6. Catalog possessions. Using a digital camcorder or camera, create a home inventory for insurance. Inexpensive digital cameras start at about $100. Although traditional video and photographs are adequate, they can be bulky to carry and may get damaged if left in a flooded home. Digital files can be stored on a small USB drive and kept in your go bag, sent to a friend or relative for safekeeping, or stored on an online backup system like idrive.com or opendrive.com, which offer a small amount of space to store files for free or a larger data storehouse for $50-$60 per year.

7. Move expensive items to a safer location. If you have a second floor or an attic, moving furniture, photographs, and artwork to a higher level will protect your possessions in all but the most severe floods. Elevate furnaces and water pumps when they’re installed, if possible, to a height of 12 inches above the highest known flood level for your area, suggests FEMA.

8. Anchor your fuel tanks. Unanchored tanks can float, rupture, and release fuel. Once the power sources of system units like furnaces and water heaters are disabled and the units cooled, you can also wrap them in waterproof tarps to mitigate water damage.

9. Prevent sewer backup. Install (or have a plumber install) sewer or septic line check valves, which allow waste to flow only one way. Plan to spend $100 or more per valve to have a pro install them, or do it yourself for $10-$15 each to ensure sewage can’t back up into the standing water in your home. Install at a point in the pipe that’s easy to access for repair.

10. Install French drains if you live on a slope and have a persistently wet basement or soggy lawn. A French drain collects water in your yard and diverts it safely away from your house.

Floods are a common challenge that many home owners will face at one time or another. However, by keeping your home in good repair, moving valuables out of water’s way, and creating good drainage around your home, you can stop or reduce potential flood damage.

Stay safe out there!

We are thrilled to announce our 5th Home for HOPE has been completed and purchased! The charity home is located in the Chadwick Farms neighborhood at the edge of Roanoke, TX. Grand Homes, along with our trade partners, constructed this home with the goal of donating the proceeds from the sale of the home to Homes for Hope.

Homes for HOPE is a non-profit organization that, together with HOPE International, provides financial resources and support to help alleviate physical and spiritual poverty in 17 developing countries around the world.

This particular home is the Abernathy floorplan, a sensational 4 bedroom, 3 bath abode with awesome drive up appeal. The feature that made the Key family fall in love was the open concept of the entertaining area. They are honored and proud to be purchasing the home whose proceeds will help others across the globe.

Founded in 1999, Homes for Hope works within the homebuilding industry, forming partnerships with builders and their trade partners to create revenue-generating projects – “homes for hope” – which provide financial support for HOPE International’s microeconomic development programs across the globe.

To date, homebuilders and trade partners around the country have completed 89 homes, raising over $10 million in charitable contributions. With their assistance, HOPE has been able to offer an estimated 1 million loans aimed at breaking the cycle of poverty for aspiring entrepreneurs in 17 countries around the world.

Brooks, a recent recipient of the Dallas Builders Association’s Hugh Prather Humanitarian Award, believes in the idea of giving back. “Grand Homes has always supported, and will continue to support, many local charities to benefit the communities in which we build; Homes for HOPE allows us to have an impact beyond our own community to help eliminate poverty in areas of need throughout the world,” says Brooks.

We would like to thank our trade partners who made the construction of this home possible and wish the Key family many happy years in their new Grand Home!