Preparing for a Storm
Plan Ahead to Manage Risk
If you haven’t already, talk to your insurance agent about purchasing flood insurance. Because homeowner’s insurance policies do not typically cover flood losses, you will need to purchase separate flood insurance if your property is at risk. There is typically a waiting period, so it’s best to plan ahead to ensure you and your family are protected.
- Learn more about flood insurance products and coverage benefits offered by Assurant Flood Solutions
To avoid being trapped when floodwaters threaten your area, the best action to protect yourself and your family is to evacuate before flooding starts. If you do not evacuate before the flooding occurs or you are trapped by flash flooding, do not enter flooded areas or moving water either on foot or in a vehicle, including areas that appear to have only inches of water. (Source: FEMA Flood Guide)
Your goal now, before a flood occurs, is to reduce the risk of damage to structures from flooding. This means elevating critical utilities, such as electrical panels, switches, sockets, wiring, appliances, and heating systems, and waterproofing basements. In areas with repetitive flooding, consider elevating the entire structure. Make sure that basements are waterproofed and that your sump pump is working and then install a battery-operated backup in case of a power failure. Installing a water alarm will also let you know if water is accumulating in your basement. Clear debris from gutters and downspouts. Anchor any fuel tanks. Move furniture, valuables, and important documents to a safe place. (Source: FEMA Flood Guide)
For in-depth preparedness tips, click here for FEMA's Flood Guide.
Take advantage of the Interactive Tools section of our website to help you assess your flood risk.