Flood: Plan Ahead, Stay Above Water
Anywhere it rains or snows, it can flood. Floods are the #1 most common natural disaster. Even if you've never experienced a flood in your area, it is a possibility.
Most homeowner's insurance policies do not cover flood. You can map your flood risk at www.floodsmart.gov.
If you do have a flood insurance policy, make sure it is up-to-date. Contact your PFG agent if you have questions about your coverage and follow these preparedness tips to protect your property and your family.
Be Prepared
• Build an emergency supply kit. Include drinking water, first-aid kit, canned food, radio, flashlight and blankets. Visit www.ready.gov for a disaster supply checklist or www.weather.gov/floodsafety for flood safety tips and information from the National Weather Service.
• Plan and practice flood evacuation routes from home, work and school that are on higher ground.
• Store your valuables where they won't get damaged.
During a Flood
• Go to higher ground. Get out of areas subject to flooding, including dips, low spots, canyons, washes, etc.
• Avoid areas already flooded, especially when water flows fast. Do not attempt to cross flowing streams. Just six inches of moving water can knock you off your feet.
• Never drive through flooded roadways. Roadbeds may be washed out under flood waters and just two feet of moving water can sweep an SUV off the road.
After a Flood
• Check for structural damage before re-entering your home. If you suspect damage to water, gas, electric or sewer lines, contact authorities.
Filing a Flood Insurance Claim
• When filing your claim, be prepared with: the name of your insurance company, your policy number and a telephone number or e-mail address where you can be reached.
• Take photos of any water in the house and damaged personal property. Adjusters need evidence of the damage and damaged items to prepare your repair estimate.
• Make a list of all damaged or lost items and include their age and value where possible.
Visit www.floodsmart.gov to learn more about flood history and causes, safety precautions, flood risks and flood insurance policy options.
For more information, contact your PFG agent.
