What to do Before a Flood

Floods can happen anywhere and just one inch of floodwater can cause up to $25,000 in damage. The best way to protect your home and belongings from flood damage is to purchase flood insurance. Flood insurance is a separate policy that can cover buildings, the contents in a building, or both, so it is important to protect your most important financial assets. Even if you aren’t in a flood-prone area or you fully own your home without a mortgage, purchasing a flood insurance policy can still end up being well worth it. Take steps to protect your home, family, and financial security throughout the year, and take extra precautions when flooding is predicted in your area.

Take photos and videos of all major household items and valuables. Retain these documents in a safe place because they are important when filing insurance claims. Save copies of birth certificates, passports, medical records, and insurance papers in a safe, dry place. Keep original documents in a watertight safety deposit box.

When a flood is imminent or occurring, your first priority should be the physical safety of you, your loved ones, and your pets. Stay alert by monitoring the local news and weather reports and sign up for emergency alerts. Have a communication plan ready in the event of a power outage.

 

Most homeowners insurance does not cover flood damage. Do an annual insurance check-up with your agent at Professional Underwriters to make sure you have the right coverage and amounts of coverage.