Many people each year lose everything due to flood damage. It only takes a couple inches of water to cause thousands of dollars in damage. Flooding can happen anywhere, whether you live in a flood plain or not. Flooding can include heavy rains, storms or inadequate drain systems.
We encourage you to be proactive and find out how much flood insurance is in your area. Did you know a flood policy could be as low as $300 a year?
After getting flood insurance, there are several things you can do to minimize losses in your home and ensure your family’s safety.
1. Safeguard Your Possessions
Create a personal flood file containing information about all your possessions and keep it in a secure place, such as a safe deposit box or waterproof container. This file should have:
A copy of your insurance policies with your agents contact information. A household inventory: For insurance purposes, be sure to keep a written and visual record of all major household items and valuables, even those stored in basements, attics or garages. Create files that include serial numbers and store receipts for major appliances and electronics. Have jewelry and artwork appraised. These documents are critically important when filing insurance claims. Copies of all other critical documents, including finance records or receipts of major purchases.
2. Prepare Your House
First make sure your sump pump is working and then install a battery-operated backup, in case of a power failure. Installing a water alarm will also let you know if water is accumulating in your basement. Clear debris from gutters and downspouts.
Anchor any fuel tanks. Raise your electrical components (switches, sockets, circuit breakers, and wiring) at least 12 inches above your home’s projected flood elevation.
Place the furnace, water heater, washer, and dryer on cement blocks at least 12 inches above the projected flood elevation. Move furniture, valuables, and important documents to a safe place.
3. Develop A Family Emergency Plan
Create a safety kit with drinking water, canned food, first aid, blankets, a radio, and a flashlight. Post emergency telephone numbers by the phone and teach your children how to dial 911. Plan and practice a flood evacuation route with your family. Know safe routes from home, work, and school that are on higher ground.
Ask an out-of-state relative or friend to be your emergency family contact.
Have a plan to protect your pets.
Furthermore, flood insurance is typically not included through homeowner’s insurance so make sure you are protected this year. The Weather Channel predicts this Hurricane season will be messy.