Spring brings warm weather and longer days. It also delivers heavy rains and snowmelt for many areas of the country, increasing the likelihood of floods. How you prepare for a flood and what you do afterward can potentially lessen the damage. To protect you, your family and your property, review these flood safety tips.
How To Prepare For A Flood
Even if you feel you live in a community with a low risk of flooding, remember that anywhere it rains, it can flood. Just because you haven’t experienced a flood in the past, does not mean you won’t in the future.
Flood risk isn’t just based on history; it is also based on a number of factors including rainfall, topography, flood-control measures, river-flow and tidal-surge data, and changes due to new construction and development. Here are some ways to prepare for a flood in case one happens:
Purchase flood insurance. Work with an insurance professional to determine whether flood insurance is appropriate for your property. Typical homeowners insurance policies do not protect against flood damage.
Create an evacuation plan. Review this plan with all family members, ensuring everyone knows what to do.
Pack emergency supplies. Have a supply of water, food, medication and clothing ready in case you need to evacuate.
Protect valuable items and documents. Use waterproof containers to store irreplaceable items and important documents.
What To Do After A Flood
Your home or property has been flooded. Although floodwaters may be down in some areas, many dangers still exist. Here are some things to remember in the days ahead:
Stay out of floodwater. Avoid walking, swimming or driving through floodwater, and avoid downed power lines.
Remove wet contents. Once it is safe to do so, remove any wet carpeting, furniture, bedding or other items holding moisture. Otherwise, mold can quickly develop within 24 to 48 hours.
Check for damage. Upon reentering your home, check for damage. If you suspect water, gas, electric or sewer line damage, contact your local authorities.
File a flood insurance claim. To file a claim, photograph any water damage and make a detailed list of any damaged or lost items.
Floodwater can cause catastrophic damage. Preparedness is key to handling this natural disaster. Dealers Risk and Insurance Services is committed to helping you and your loved ones stay safe when disaster strikes. For further personal risk management guidance, contact us today.