An important part of preparing for climate change-induced worsening drought conditions is taking steps to mitigate damage to your home or other real estate property. Mitigation options can save lives, reduce the risk of damage to your property and lower insurance costs. The risk of drought conditions varies by location but climate change is introducing these hardships to a rapidly expanding range of Americans.
Your first step for risk mitigation and preparedness for your home is to gain a clear idea of how serious your likelihood is of suffering from drought. Obtaining your ClimateCheck property report is a great way of assessing your present and future risk. You may also wish to talk with neighbors about past damage that they have experienced in the area. Finally, it should be noted that extremely high temperatures often accompany drought conditions, so the two weather risks often coincide when causing damages to infrastructure and property.
Homeowners’ insurance typically does not cover drought damage caused by naturally caused shrinking, settling, and soil expansion around your foundation. Therefore, it is even more important to actively look for and mitigate damage quickly in order to protect your home.
The foundation of your home is mostly likely built upon soil, as opposed to rock. Although some settling of your foundation is normal, extended periods of dryness can cause your foundation to shift, crack, and sink when the surrounding soil loses moisture. When water evaporates in drought conditions it causes gaps or cavities to form between your foundation and the ground. When rain returns, it causes the soil to expand again which may cause further foundation damage.
Soil is composed of sand, silt, and clay. Clay-rich soil traps water more effectively than sand-based soil. Clay soil expands more in the presence of water and shrinks more in a drought so it is especially prone to causing damage to your foundation.
Foundation repairs can be costly and frequent in drought conditions. Some homeowners face thousands of dollars of foundation repair work every year that is preventable. Foundation cracks can often cause widespread issues elsewhere like sloping flooring and cracking driveways and sidewalks.
Although our foundation is the most common severe issue accompanying drought conditions, cracking may also occur in brick, stucco, tile, drywall or chimney materials.
Detecting Drought Damage to Your Foundation
Drought damage often happens slowly, but if your foundation is shifting there will be signs in the rest of your home. It is best to hire a professional soil or geological inspector to thoroughly inspect your property for signs of damage. However, even without professional help there are a number of signs to look for.
If you notice small cracks, especially new ones, anywhere inside or outside your home could be a sign of serious drought damage. When the foundation shifts or moves it may cause cracks in places such as:
Other signs include:
To test for uneven flooring, you can use a bubble level if one is available. Otherwise, a marble or small round object can be used to check for slope. Place the object on an uncarpeted floor and observe if it starts rolling in a particular direction, if so your foundation may be seriously damaged.
While repairing damage caused by drought can be expensive, damage can be minimized or avoided if you take steps to protect your property. Use the following checklist to see what mitigation actions are appropriate for you.
A great way to prepare yourself and your community for drought conditions is to carefully consider your water usage. For drought conditions especially, water conservation is a crucial mitigation step.
Drought damage appears slowly but it can be incredibly costly if not identified and addressed in the early stages. For those building new homes, the biggest element of drought protection possible at this step is to plan your landscaping carefully. Place larger-growing trees farther away from your home, but include small bushes and mulch to retain moisture close to your foundation.
With these steps in place, learn to protect your home or other real estate property from extreme climate risk.