Water Water Everywhere
Below is a MRR and PLR article in category Finance -> subcategory Insurance.
Water, Water Everywhere
Understanding Flood Risks and Preparedness
Floods can occur without notice, and a single heavy rainfall can transform your environment?"even if you're not near a river. According to the Federal Emergency Management Agency (FEMA), floods can happen anywhere. Here’s how to stay prepared and protect your family and belongings.
What Causes Floods?
Floods can result from rain, melting snow, or dam failures, overwhelming the land’s ability to absorb water. Here are some essential tips from the CPCU Society to safeguard against flooding:
Preparation Tips
- Secure Important Documents: Maintain an updated home inventory and store vital papers in a safe location. If evacuation becomes necessary, take these items with you. It’s wise to keep copies in a different location, such as a bank safe deposit box.
- Prepare for Utility Disruptions: Stock up on non-perishable foods that require minimal or no cooking. Ensure you have bottled water or containers ready to store water.
- Check Essential Devices: Ensure portable radios and flashlights are functional and stock up on new batteries.
- Fuel Supplies: Keep your car’s gas tank full. Also, ensure oil and gas tanks for home heating are filled to prevent them from coming loose and damaging the foundation.
- Follow Evacuation Orders Promptly: If authorities advise evacuation, leave immediately to avoid being trapped. Flooding can alter landscapes, making it easy to become disoriented.
- Avoid Moving Water: Just six inches of fast-moving water can knock down an adult. Do not attempt to walk or drive through it.
- Be Cautious of Electrical Hazards: Watch for downed power lines and gas leaks. Report them promptly. Have a professional inspect electrical devices and HVAC equipment exposed to water.
- Insurance and Documentation: Contact your insurance agent promptly and document damage with photos for claims. Remember, standard homeowners insurance usually doesn’t cover flood damage, so consider specialized flood insurance for quick coverage of losses.
Flood insurance can provide timely compensation for covered losses, unlike government loans and grants, which may take time and may not fully cover losses. For more details or a no-obligation quote, consult your insurance agent.
Stay informed and prepared to minimize risk and ensure safety during floods.
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