Devastating floods occur throughout the U.S. every year. Flooding is usually divided into two categories: flash flooding and river flooding. The affects often include contaminated drinking water supplies, disrupted electrical service, injuries and property destruction.
Before a Flood Warning or Watch Occurs
Be prepared to respond to flooding by taking the following actions before the rains and flooding begin:
When there’s a Flood Warning or Watch
During a Flood
After a Storm
Many officials suggest that residents and businesses consider purchasing flood insurance and to have emergency supplies and plans ready.
Damage and other flooding losses are not covered by most homeowner’s insurance policies. However, the Federal Emergency Management Agency (FEMA) offers special flood insurance through its National Flood Insurance Program. Contact your insurance agent or visit FEMA.gov for more information.
If you do incur damage, be certain to take pictures of both to your home and its contents for insurance claims.
If your home, apartment or business has suffered damage, call your insurance company or agent who handles your flood insurance right away to file a claim.
Keep your insurance agent advised if your contact information changes. If you are in a shelter or cannot be easily reached, provide a designated point-of-contact who can reach you.
If you have damage estimates prepared by a contractor, provide them to your insurance adjustor.
If local officials require the disposal of damaged items, take photos and document damages.