|
      
| |
Flood Disaster Tips
Did you know...
 |
Floods and flash floods are the most common natural
disaster, occurring in all 50 states.
|
Floods cause devastating damage to buildings and
personal belongings.
|
One in three flood insurance claims are generated
outside areas considered "flood-prone."
|
Homeowners insurance does not cover
flood damage.
| | | |
Before a flood:
|
Make a written, photographic and/or videotaped inventory
of household possessions and property, and store it in a safe
place (e.g. a relative's home or safe deposit box) with insurance
policies, documents and other valuables.
|
Take a first aid class from your local American Red
Cross chapter.
|
Assemble a disaster supplies kit that includes a
first aid kit, canned food, non-electric can opener; bottled
water (emergency managers recommend 3 gallons per person), rubber
boots, rubber gloves, battery-powered radio, flashlight and extra
batteries.
|
Identify evacuation locations.
| | | |
During a flood:
|
When a warning is issued, listen to local
radio and TV stations for information.
|
When a watch is issued, move furniture and
valuables to higher floors of your home.
|
Abandon your car if stalled in rapidly rising waters
and climb to higher ground. Do not drive into any large
puddles or into water that seems to be moving rapidly.
| | |
After a flood:
|
Call your insurance agent as soon as possible to
see if you need to file a claim.
|
Make temporary repairs to prevent further
damage. Keep all receipts.
|
Delay permanent repairs until your
speak to your adjuster.
|
Get any necessary construction permits from your
community.
|
Prepare an inventory of all damaged or destroyed
personal property. Take photos of damaged areas.
|
Save remnants of damaged or destroyed property for
your insurance company adjuster.
|
Meet with your adjuster before signing anything with
contractors.
|
Let your car dry out before trying to start it.
| | | | | | | |
Protecting yourself is easy!
Flood insurance picks up where your homeowners
insurance leaves off. It is not expensive, especially when
compared with the monthly payments for disaster loans, and it's
easy to get--just call your insurance agent.
What to ask your insurance agent?
|
Do I have flood insurance?
|
How much flood insurance should I purchase?
|
How much contents coverage should I purchase?
|
Should I consider a three-year policy to reduce my
premiums?
|
Do I qualify for a preferred risk policy?
|
Can I finance my premiums?
| | | | | |
|
