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From category archives: Florida Peninsula


Three Reasons Why You Need a Flood Preparedness Plan

The safety of your family and the protection of your home should be your priority in the event a flood occurs. Therefore, it is essential you and your family have a flood preparedness plan in place. Here are three reasons why you need to have a flood preparedness plan.

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Make the Most of National Preparedness Month

Recognized each September, National Preparedness Month serves to remind us to prepare ourselves and our families for disasters. As Floridians, we know the threat of a natural disaster or storm is always a possibility. Would you and your family know what to do in the event of a disaster? Consider these tips and make the most out of National Preparedness Month:  Establish and test emergency plans with your family. Sign up for local and state emergency alerts.  Install or test your smoke and carbon monoxide detectors.  Stock up on emergency supplies.  Create a home inventory. Click here for some tips to inventory your belongings.  Review your insurance policy and contact your agent to make any necessary changes to your coverages.  Don’t forget about flood insurance. Hurricanes and storms bring heavy rains which could cause flooding. Purchase flood insurance to make sure you are covered.   Septemb ...

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Is Your Home at Risk of Flood Damage?

Find out if you need flood insurance.

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3 Things to Know About Flood Insurance

Here are three things you should know about flood insurance.

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What’s in Your Hurricane Survival Kit?

When a hurricane is approaching, it is important for you and your family to be fully equipped and prepared for the worst. Your hurricane survival kit should be able to carry you through a week or two after a storm or any other natural disaster.  There are several companies which sell pre-assembled survival kits, but they may not be personalized to your own family’s needs, especially if there are young children, which is why you may consider assembling one on your own.   Here are some ideas for building your own hurricane survival kit:  Water - at least 1 gallon daily per person for 7 to 10 days. Katrina and Wilma emphasized the importance of having sufficient water on hand. Don't forget to include 7-10 days of water (separately) for your pets. Food - at least 2 meals a day per person for 7 to 10 days — non-perishable packaged or canned food / juices — jarred baby food — snack foods (Peanut butter, breakfast bars, crackers, canned ...

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How to Prepare for a Flood

The most common natural disaster in the United States is flooding. It can occur at any time during any season. Of course, certain areas (flood zones) are at greater risk in certain times of the year, but even if you are not in a flood zone, your home can still be at risk for a flood. “Flooding is an overflowing of water onto land which is normally dry. Flooding may happen with only a few inches of water, or it may cover a house to the rooftop.” (FEMA) Here are some tips on how to protect yourself and your property in the case of a flood: Personal: To avoid being trapped when floodwaters threaten your area, the best course of action is to protect yourself and your family, and to evacuate before flooding starts. Be sure to follow evacuation directions from local officials. It is important to discuss a solid evacuation plan with your family, and to write down emergency numbers you may need during your time away from home. Property: Before a flood occurs, you should take steps to reduce the ri ...

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The Importance of Flood Insurance

April showers bring May flowers, and floods. According to FEMA, no other type of natural disaster in the United States produces more destruction and devastation than flooding. It can only take one heavy rainstorm to cause significant flooding and damage. Floods result in billions of dollars in damages each year, which it is why it is imperative to be prepared and protected.  Every home is at risk for flooding, and surprisingly, only a small percentage of homes are covered by flood insurance. Did you know, flood coverage is not typically covered by a standard homeowners, condo, or renters policy? Home insurance policies may protect you against water damage, such as a pipe leak or hole in your roof, but will not cover flood-inducing factors such as torrential rainfall or storm surge. Flood water can find its way into your flooring, walls, appliances, electrical system and furniture. It can only take an inch of flood water to cause thousands of dollars in damages to your home.  Stay above water by ...

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Understanding Flood Insurance

    One of the best ways to learn is to follow by example. The photo below is a home affected by a disastrous flood. As you can see, a majority of the home is destroyed, and will require major repair in order for the homeowners to live here again. Now, imagine if this was your home, and you found out none of this damage was going to be covered by insurance. First-time homeowners usually assume homeowners insurance covers everything. Here are some common questions people would ask when found in this situation:     “I have homeowners insurance. The flood happened in my home, so why isn’t it covered?” A typical homeowners insurance policy does not include flood coverage. In the aftermath of Hurricane Katrina in 2005, this fact gained publicity when thousands of homeowners submitted claims to their insurance providers and learned the damage would not be covered because it had been caused by a flood. The debate back then was, the damage was caused by wind and not ...

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Always Have a Plan: Flood Emergency Preparedness

    Emergencies can strike at any given moment, which is why they’re called emergencies. By having a solid plan, you can ensure the safety of yourself and your entire family, no matter what comes your way. Here are some questions to ask yourself: Do I have an exit strategy? Preparedness begins with the entire family. Set aside some time to sit down and have a conversation to make sure everyone is on the same page. In the event of a flood, how will everyone get out both quickly and safely? Be sure everyone in the household knows to avoid any water six inches or deeper since this amount is enough to knock a small child over or sweep an adult off his/her feet. Do I have an emergency contact? Give someone you can trust access to personal information, such as a list of medications for the family, insurance policy numbers, phone numbers, documents, etc. This could be a close friend or family member. You should also designate someone to watch over your children or pets in the event ...

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“A Dry Home is a Happy Home” - Ways to Protect Your Home from Flooding

  Flooding can affect your home and belongings any day, anytime and anywhere. According to FEMA (Federal Emergency Management Agency), no state or territory is safe from floods. Being the most common and expensive natural disaster in the United States, it is important to take proper measures to protect your home from flooding.   First things first; know the flood levels in your home. This is the official measure of how high floodwaters could rise where you live. By doing some research and checking FEMA’s website for the flood maps, you will be able to locate this information.   Safeguard in-home electrical and climate systems. According to IBHS (Insurance Institute for Business & Home Safety),  by raising switches, circuit breakers, sockets, etc. at least one foot above the expected flood level in your area, you could save a lot of money and time on repairs if you were to experience a flood.   Once waters rise, stay above. Take proper measure ...

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