Are you prepared for a flood if it happens?

flood insurance phhIt is National Preparedness Month.  Each week we will posts tips on preparedness steps you can take incase of a disaster.  This week we are covering flooding.

Floods are one of the most common hazards in the United States, however not all floods are alike.  Some floods develop slowly, while others such as flash floods can develop in just a few minutes and without visible signs of rain.  Additionally, floods can be local, impacting a neighborhood or community, or very large, affecting entire river basins and multiple states.

Flash floods can occur within a few minutes or hours of excessive rainfall, a dam or levee failure, or a sudden release of water held by an ice jam.  Flash floods often have a dangerous wall of roaring water carrying rocks, mud and other debris. Overland flooding, the most common type of flooding event typically occurs when waterways such as rivers or streams overflow their banks as a result of rainwater or a possible levee breach and cause flooding in surrounding areas.  It can also occur when rainfall or snowmelt exceeds the capacity of underground pipes, or the capacity of streets and drains designed to carry flood water away from urban areas.

  • Here are a few tips to prepare your family and home from a potential flood.
  • Build an emergency kit and make a family communications plan
  • Avoid building in a floodplain unless you elevate and reinforce your home
  • Elevate the furnace, water heater and electric panel in your home if you live in an area that has a high flood risk
  • Consider installing “check valves” to prevent flood water from backing up into the drains of your home
  • If feasible, construct barriers to stop floodwater from entering the building and seal walls in basements with waterproofing compounds.

Things to know about Flood Insurance

  • Flood losses are not typically covered under renter and homeowner’s insurance policies
  • FEMA manages the National Flood Insurance Program
  • Flood insurance is available in most communities through your insurance agent
  • There is a 30-day waiting period before flood insurance goes into effect
  • Flood insurance is available whether the building is in or out of an identified flood-prone area.

For any questions regarding Flood Insurance give us a call today at 860-684-2721.  One of our agents will be happy to assist you.

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