As one of earth's most important natural resources, water is a critical lifeline. Unfortunately, when floods occur, the damage to houses, businesses and communities can be devastating. Homeowners insurance does not cover repair or replacement costs. The good news is while nature is unpredictable, there are ways to protect your home from rising waters—among them, having comprehensive flood insurance. Here are other helpful tips on creating a barrier against flooding.

How to Prevent Water Damage From Floods

Elevate Outside Appliances

Appliances such as HVAC units and boilers are susceptible to causing even more water damage to a home after a flood. Elevate them with raised platforms to minimize damage. If this is not a feasible move, a professional contractor may be able to suggest moving them to another place on the property.

Eliminate Soil Erosion Threats

When soil doesn't have structures around to keep it from washing away, the void creates channels for flood water to enter homes. Consider landscape designs that incorporate trees, plants, swales, rocks, and retaining walls to help soil serve as barrier.

Purchase Flood Insurance

This is especially important if you live in an area that is prone to flooding. Certain federal home loan programs require borrowers to have flood insurance if they live in a designated flood zone. If you're unsure about whether your area is located in this type of area, talk to an insurance agent about coverage requirements.

Install Storm Water Backup Systems

There are a number of backflow valve systems and other plumbing devices that are designed to keep storm water from flooding basement floors. It may be worth investing in the installation of one of these systems. Depending on your home's location, some local programs may even provide financial assistance. Talk to a licensed plumber about devices that will work with your home's plumbing.

The aftermath of a flood can cause extensive and expensive damage to your home. By taking a few proactive steps, you can help minimize or eliminate property issues. Let the experienced team at The Simmons Insurance Group help you secure reliable flood insurance. With six locations throughout Southern Ohio, this independent agency works with some of the nation's leading carriers. To learn more, call (740) 667-3111 today. Visit the website for information on the firm's complete lineup of policy options.