Flood Survival Tips

 

 

  

Heavy rains can quickly lead to flooding. Floods have a different set of challenges to prepare for than other severe weather events. 

Well in advance of flooding conditions, assess your chances of being affected by a flood. A call to the town or county clerk is a good way to find out if you live in a flood plain.

Before a flood arrives, you should have an evacuation route planned; know how long it will take to evacuate your area and build in time to account for others evacuating at the same time.

A homeowners policy doesn't automatically cover damage from flooding, and you can't simply purchase flood insurance as an endorsement to your policy like you might expect.  Instead, you must purchase a separate flood insurance policy through an insurance company that participates in the National Flood Insurance Program.  Or contact us for details.

You should carefully examine your need for flood insurance according to the flood threat as determined by the Federal Emergency Management Agency (FEMA) for your area. Generally, homeowners insurance does not cover damage done by flooding. It's a mistake to believe that flood insurance isn't necessary because of federal disaster aid. Often, federal aid comes in the form of a loan that has to be paid back.

FEMA points out that $50,000 worth of damage done to a home worth $100,000 can be financially devastating. While paying the typical flood premium of $324 a year may seem steep, not having the insurance after a flood is more costly. FEMA estimates that getting a loan to repair $50,000 damage can cost you $3,732 a year for 20 years as you repay the loan.

Getting your house in order
Prior to evacuation, you can prepare your home. Moving furniture and other valuables to an upper floor can help protect them from water damage.

Never cross a road flooded in water
If you live near a river or creek, be alert during any heavy rain. It is not uncommon for a flash flood to sweep down a river and catch nearby residents by surprise.

When the time comes to evacuate, it is paramount that you never cross a road covered in water. People die every year during floods because they attempt to cross washed-out roads and are swept away by the current. According to the Ohio Committee for Severe Weather Awareness, even if you drive a sport utility vehicle, you shouldn't attempt to cross because it's difficult to gauge the water depth as well as the current.

Learn More...

Overview | Understanding The Basics | Types Of Insurance | Coverage Amounts
Choosing A Policy | Filing A Claim | Other Types Of Insurance | Home Safety Tips
Planning Concerns | Home Glossary

Please Note: The information contained in this Web site is provided solely as a source of general  information and resource.  It is a not a statement of contract and coverage may not apply in all areas or circumstances.  For a complete description of coverages, always read the insurance policy, including all endorsements.