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Don’t put off grading your yard if you notice signs of bad drainage. Repairing your landscaping and the foundation of your house will prove to be much more expensive than fixing the immediate drainage problem, and once it’s fixed, you could make your house worth more. Grading will help you sleep better at night when that next thunderstorm rolls in, because you’ll know the water will be successfully diverted away from your house.

In grading, you measure the slope of your yard and put grass down on top of the finished product to secure your new soil in place. The goal is to give water a place to run that will hold up long-term and protect your house’s foundation. By taking care of the issue yourself, you’ll learn how to lay seed or sod, which will make you more knowledgeable about taking care of that grass as it grows.

Ms. Worters noted that standard homeowner policies don’t cover damage from floodwaters, even if it is caused by a hurricane’s storm surge. Homeowners must buy separate flood coverage, either through the National Flood Insurance Program or from private companies. There is often a waiting period (30 days, in the case of federal flood insurance) before flood policies take effect. Homeowners who want coverage beyond a standard flood policy can also consider extra insurance, available from excess or surplus lines insurers.

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