Risk Management Tip
On average, flooding causes more property damage in the United States than any other weather related event. Follow these steps year round to keep you and your loved ones safe when hazardous weather strikes:
- Create a communications plan and know your risk. Having a plan will give you peace of mind if a disaster does strike. Knowing if you live in a flood zone and the fastest way to get to higher ground can save your life.
- Review your insurance program. Standard homeowners insurance doesn’t cover flooding, so make sure you work with a trusted insurance advisor to secure flood coverage. This must be done before there is a potential for flooding, as insurance companies stop issuing policies if there is a threat of flooding (such as an approaching hurricane).
- Assemble an emergency kit and prepare your home. It is good practice to have enough food, water and medicine to last you at least 3 days in case of an emergency. Have your home inspected regularly for potential leaks or failures of appliances.
- Obey evacuation orders. If told to evacuate, do so immediately. Be sure to lock your home as you leave and disconnect utilities and appliances.
- During and after a flood, avoid flood waters and disaster areas. Standing water hides dangers including toxins, chemicals and debris. Don’t go into any room if water covers the electrical outlets or if cords are submerged.