Mike Cirillo, Contributing Writer

With spring comes the excitement of the end of winter, warmer weather, and the blossoming of spring flowers. Also with spring comes the increased risk of flooding. This is the time of year when warming sun combined with increased rainfall sets the stage for spring flooding. Until the frozen ground completely thaws, the combination of snow melt and spring rainfall, can cause run off into local lakes, ponds, rivers and streams. Since the frozen ground does not allow the penetration of excess water into the ground, this many times causes sudden and rapid increases in surface water.

Flood mitigation should be considered prior to the threat of spring flooding   Individuals should consider the following precautions:

• Purchase a flood insurance policy. Most property insurance policies exclude the peril of flood. Depending on the determined flood zone of a structure, there may be a 30 day waiting period for coverage. Contact an insurance agent to discuss flood coverage’s.
• To reduce the risk of basement flooding, move snow away from the structure where available.
• Check drainage systems, sump pumps, downspouts and other devices designed to reduce water damage.

There are several online references to learn more about spring flooding and winter melt.

FEMA: The National Flood Insurance Program   www.fema.gov/business/nfip

Floodsmart:  www.floodsmart.gov

Selective Insurance:  www.selective.com  

National Oceanic and Atmospheric Administration:  www.noaawatch.gov/floods.php

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Michael C. Cirillo, John Andrade Insurance Agency, Inc.

10 Child Street~ P.O. Box 363 Warren, RI 02885

Tel: (401) 253-6542 Fax: (401) 253-5070

Email: mcirillo@johnandradeinsurance.com