Although it may not seem as necessary as homeowners insurance, flood insurance is important if you plan on keeping your home safe and your posessions secure. Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc. There is a 30 day waiting period before coverage is bound so before all the snow melts from this horrendous winter we have had, consider inquiring about flood insurance.
A flood can often happen very quickly, leaving you little time to do anything but evacuate. Check out these five guidelines that will help minimize damage to your home and danger to your family.
Flood Prep Tip 1: Know your property and area. If you live in a flood-prone area, elevate and reinforce your home. Learn evacuation routes in your community and where you should go if waters rise.
Flood Prep Tip 2: Prepare your home. Make sure your sump pump is working, install a water alarm, elevate appliances, move furniture and valuables to higher stories in the home, and regularly clear debris from gutters and downspouts.
Flood Prep Tip 3: Protect your assets and information. Create a flood file containing a room by room inventory of your possessions, a copy of your insurance with contact information, copies of critical documents and a CD or thumb drive of important computer documents. Store this file in an accessible waterproof and fireproof container.
Flood Prep Tip 4: Have a plan. Practice flood evacuation routes from home, work and school and decide on a destination to meet. Be sure to consider the safety of any pets.
Flood Prep Tip 5: Create an emergency kit. Have extra drinking water, non-perishable food, first-aid materials, blankets, a battery-powered radio, a flashlight and extra batteries ready to grab in case you need to evacuate.