Why Flood Insurance is a Non-Negotiable for Homeowners
Flooding is one of nature’s most common and destructive events, and it can happen anywhere, at any time. A devastating misconception many homeowners have is thinking, “I don’t live in a high-risk flood zone, so I’m safe,” or assuming, “My homeowner’s insurance will cover any water damage.”
Whether it’s from overflowing rivers, torrential downpours, or storm surges, you need a separate, dedicated flood insurance policy to be protected. With shifting weather patterns across the country, areas that have never seen high water before are now experiencing it. The question is no longer if it will flood, but when and where. But how can you shield your family and your biggest investment from the fallout?
Tips for Facing the Floodwaters
Being prepared can make all the difference when you’re faced with a flood watch. A little planning can save you heartache and hardship down the road.
1. Prepare Your “Go-Kit” and Family Plan: Don’t wait for the emergency broadcast. Assemble a waterproof bag with critical documents (like insurance policies!), medications, a first-aid kit, flashlights, extra batteries, and some cash. Just as vital is a clear family evacuation plan. Know your routes to higher ground and have a designated place to meet if you get separated.
2. Document Everything (Before and After): Take a video or photos of your home and possessions during “a sunny day”. Go room by room, opening closets and cabinets to create a detailed inventory. If the worst happens and your home is damaged, you’ll need to do the same for the damage before you start cleaning up. This “before and after” evidence is crucial for a smooth and fair claims process.
3. Move Valuables Uphill: If you have advanced warning, move what you can to the highest possible point in your home. Important papers, family photos, electronics, and sentimental items should be moved to an upper floor or attic. Get furniture, rugs, and anything else you can lift off the ground floor. Every inch of elevation helps.
4. Know Your Shut-Offs: Take five minutes to learn how to shut off the electricity, gas, and water to your home. If you must evacuate or if floodwaters begin to enter your house, cutting the power can prevent electrocution, and shutting off the gas and water can prevent fires and further damage.
5. Respect the Water’s Power: It’s a simple rule that saves lives: Turn Around, Don’t Drown. Never walk, swim, or attempt to drive through floodwaters. A mere six inches of moving water can knock you off your feet, and a foot can sweep your vehicle away. You never know how deep it is or what hazards (and contaminants) lurk beneath the surface.
Your Most Important Line of Defense
The single most effective step you can take to recover from a flood is to have a flood insurance policy in place long before you need it. Crucially, there is typically a 30-day waiting period from the day you buy your policy until it becomes effective. You cannot wait until a storm is on the forecast.
Navigating the details of flood insurance can feel complex, but you don’t have to figure it out alone. Protecting what you’ve worked so hard for is our top priority.
Our Trusted Insurance Partners LLC team are experts at helping homeowners understand their unique risks and find the right coverage for their needs and budget.
Don’t leave your future to chance. Contact us here or give us a call to discuss securing your peace of mind with a flood insurance policy today.