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:
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.
Before a flood occurs, you should take steps to reduce the risk of damage to your home and structures from flooding. Electrical panels, switches, sockets, wiring, etc. should be elevated. Ensure your sump pump is working, (with a battery-operated backup in case of power failure) and basements are waterproofed. Move your important documents to a safe place to avoid destruction or damage to these items.
Purchasing flood insurance is important and provides financial protection for the cost of repairs due to flood damage. Standard insurance policies may not cover flooding. As one of Florida's top homeowners insurance companies, our number one priority is the safety of you and your family. Florida Peninsula provides coverage rich homeowners policies, flood protection, and partners with insurance professionals throughout the state who can ensure you have the coverage you need in the event of a loss. If you are in the market for a home insurance quote, give us a call at (877) 229-2244 or visit the get a quote section on our website.
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