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Raley, Watts & O’Neill Insurance

Since 1950, Raley, Watts & O’Neill has been serving the insurance needs of our clients. We started as a one person operation in Lexington Park, MD and are proud of our small town heritage. We have worked hard to maintain the fundamental principles of our roots while we have grown into a company that serves clients throughout the Mid-Atlantic, the United States and Internationally. We pride ourselves on getting it right and taking care of the needs of our clients. We simplify the insurance process and take the time to make sure each of our clients understand their options, what they are buying and where their money goes. Our committed staff has the expertise and extensive experience in a broad range of insurance products and services like Commercial, Personal, Bonding, Safety/Risk Management, Group Health, Life and Financial Services. We would welcome the opportunity to demonstrate to you how working with Raley, Watts & O’Neill is about more than just insurance; it is about a long term relationship. We always strive to never veer from our values – C.A.R.E

Reducing your risk of basement flooding

Gordon O’Neill Gordon O’Neill , 12/9/2015
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sigonella-81772_1280Winter weather brings more than cold air and wet snow. It also provides the perfect conditions for basement flooding. Reduce your risks with these tips. Fix Your Foundation Your home's foundation is the first defense against basement flooding. Any cracks, fissures or holes can allow water to seep into your basement and cause problems. Fixing your home's foundation starts with a visual inspection. Use a flashlight to find any visible fissures or cracks outside and also on the inside basement walls. Remember to check around basement windows for gaps and cracks, too. You'll also want to make sure the foundation grading slopes away from your house so that excess water drains away rather than into your basement. Inspect the Gutter System Leaves, twigs and other debris collect in your home's gutter system and prevent melting snow or rain from draining out the downspout. That water then pours over the gutters' sides and collects around your home's foundation, causing a waterlogged basement. Every fall and spring, clean the gutters and downspouts and secure their attachments. If necessary, attach a long hose to your downspouting so the water runs at least six and a half feet away from your home and not into it. Plant Shrubs Shrubs and other plants improve your home's green space. They also absorb excess moisture. A few strategically placed plants can work wonders in preventing basement flooding. Maintain the Plumbing Your home's plumbing system is a complex system. Ask your plumber to perform a full home plumbing system inspection that includes repair recommendations and a maintenance schedule. This way, you prevent broken or burst pipes and other damages that can cause water issues in the basement. Additionally, keep your home's pipes clear. Toss all cooking grease, tissues and other trash instead of flushing it. Properly install washing machine and dishwasher hoses, and check them annually for wear. Your plumber can also inspect your home's weeping tiles and the sewer lateral and storm sewer lateral to ensure they're in good condition. Ensure your sump pump and backwater valve is working properly, too. While these tips can prevent a basement flood, you'll also want to be prepared for an emergency. Update your home insurance to cover any basement water damage. Then even if winter weather causes water problems in your basement, you have peace of mind.