- Understand Your Policy. Review your insurance policy and understand what it covers regarding flood damage. Make sure you are aware of the policy limits and deductibles.
- Purchase Flood Insurance. If you live in a flood-prone area, we advise purchasing a separate flood insurance policy. Regular homeowners or renters’ insurance typically doesn't cover flood damage.
- Stay Informed. Stay informed about weather forecasts, flood alerts, and emergency notifications. You can use weather apps, NOAA alerts, and local news sources to monitor weather conditions.
- Create a Flood Emergency Kit. Suggest assembling a flood emergency kit that includes essential items like non-perishable food, water, a flashlight, batteries, a first aid kit, and important documents.
- Develop an Evacuation Plan. Create a family evacuation plan with designated meeting places, emergency contact information, and a list of local shelters. Ensure they know how to evacuate safely.
- Monitor Local Flood Maps. We recommend that you check local flood maps to understand their property's flood risk. These maps can help you make informed decisions about flood preparedness and property location.
- Have an Emergency Contact List. Maintain a list of important contacts, including local emergency services, utilities, insurance agents, and claims hotlines.
- File Claims Promptly. File an insurance claim as soon as possible after a flood event. Delays in reporting can complicate the claims process.
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