THURSDAY, OCTOBER 28, 2021
 Are you prepared for a flood? The only way to be certain your home and belongings will be protected in the event of a flood is to secure adequate flood insurance. Many homeowners wrongly assume that their homeowners insurance will cover their losses if their home is damaged in a flood. However, most policies exclude flood damages from coverage. As such, it’s important to obtain flood insurance to ensure that you’re as prepared as possible for a flood.
If you live in an area that’s prone to flooding, you may already be familiar with the flood preparations you need to take to stay safe. According to the Organization for Economic Cooperation and Development, floods cost approximately $8 billion in losses annually. Learn more about what to do when a flood watch or warning is issued, what to do after a flood and how to protect your home from losses. Use the following tips to stay safe in various flood-related scenarios.
When a Flood Watch Is Issued
Here’s what to do when a flood watch is issued for your area:
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Move your furniture and valuables to higher floors or elevated areas within your home.
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Fill your car's gas tank, in case an evacuation notice is issued.
When a Flood Warning Is Issued
Here’s what to do when a flood warning is issued for your area:
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Tune your radio to weather updates, disaster directions and signals.
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Gather emergency supplies and fill bathtubs with clean water.
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Move to higher ground—stay away from rivers, streams, creeks and storm drains.
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If you must evacuate, take only essential items with you.
Here’s what to do after a flood hits your area:
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Throw away food that is not safe to eat and use bottled water until the local authorities have determined that tap water is safe to drink and to use for cooking.
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Do not turn on your power until a qualified electrician has determined that it is safe to do so.
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Wear protective clothing when handling hazardous materials or cleaning up mold.
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Stay away from damaged buildings and structures.
These tips should be used for informational purposes only and do not take precedence over the guidelines issued by state and local officials.
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It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional
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