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Flood Facts

Did you know. . .

  • Floods and flash floods are the most common natural disaster, occurring in all 50 states.

  • Floods cause devastating damage to buildings and personal belongings.

  • One in three flood insurance claims are generated outside areas considered"flood-prone."

  • Homeowners insurance does not cover flood damage.

Before a flood. . .

  • Make a written, photographic and/or videotaped inventory of household possessions and property, and store it in a safe place (e.g. A relative's home or safe deposit box) with insurance policies, documents and other valuables.

  • Take a first aid class from your local American Red Cross chapter.

  • Assemble a disaster supplies kit that includes a first aid kit, canned food, nonelectric can opener; bottled water (emergency managers recommend 3 gallons per person), rubber boots, rubber gloves, battery-powered radio, flashlight and extra batteries.

  • Identify evacuation locations.

During a flood. . .

  • When a warning is issued, listen to local radio and TV stations for information.

  • When a watch is issued, move furniture and valuables to higher floors of your home.

  • Abandon your car if stalled in rapidly rising waters and climb to higher ground.

  •   Do not drive into any large puddles or into water that seems to be moving rapidly.

After a flood. . .

  • Call your insurance agent as soon as possible to see if you need to file a claim.

  • Make temporary repairs to prevent further damage. Keep all receipts.

  • Delay permanent repairs until your insurer approves reimbursement.

  • Get any necessary construction permits from your community.

  • Prepare an inventory of all damaged or destroyed personal property. Take photos of damaged areas.

  • Save remnants of damaged or destroyed property for your insurance company adjuster.

  • Meet with your adjuster before signing anything with contractors, lawyers or public adjuster.

  • Let your car dry out before trying to start it.

Protecting yourself is easy!

  • Flood insurance picks up where your homeowners insurance leaves off. It is not expensive, especially when compared with the monthly payments for disaster loans, and it's easy to get -- simply call your insurance agent.

What to ask your insurance agent?

  • Do I have flood insurance?

  • How much flood insurance should I purchase?

  • How much contents coverage should I purchase?

  • Should I consider a three-year policy to reduce my premiums?

  • Do I qualify for a preferred risk policy?

  • Can I finance my premiums?