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Flood Disaster Preparedness

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What is Flood Insurance for:

  • Direct physical losses to your structure and belongings.

  • Building Coverage Protects:

  • Electrical & Plumbing systems

  • Furnaces & Water heaters

  • Refrigerators, cooking stoves and built-in appliances like dishwashers

  • Permanently installed cabinets and paneling

  • Window blinds

  • Detached garages

  • Fuel tanks, well water tanks and pumps and solar energy equipment

Contents Coverage Protects:

  • Personal belongings such as clothing, furniture, and electronic equipment
  • Curtains
  • Washer and dryer
  • Portable and window air conditioners
  • Microwave oven
  • Carpets not included in building coverage (e.g., carpet installed over wood floors)
  • Valuable items such as original artwork and furs (up to $2,500)

Interesting Facts about Flood Insurance

  • 90% of all natural disasters in the United States involve flooding.
  • You don’t need to live near water to be flooded.
  • You can buy flood insurance no matter what your flood risk level is.
  • Flood insurance is affordable, the average cost of flood insurance in the U.S is around $450 a year.
  • Flood damage is not covered by your Homeowner’s Insurance Policy.
  • Flood damage is expensive, it’s estimated that 1 inch of water can cause about $25000 worth of damage to your building and belongings.

Before a flood

  • Prepare an emergency kit and make a family communications plan
  • Avoid building in floodplains, unless structure is elevated and reinforced
  • Elevate the furnace, water heater, and electric panel
  • Consider installing “check valves” to prevent floodwater backups
  • Construct barriers to stop floodwater from entering the building and, seal basement walls with waterproofing compounds

Driving tips

  • Six inches of water will stall or cause control issues in most passenger vehicles
  • A foot of water will float many passenger vehicles
  • Two feet of rushing water can carry away most passenger vehicles including, SUVs and pick-ups
  • Never attempt to drive through a flooded road; depth is not always obvious, and the roadbed may be washed away under the surface
  • Do not drive around barricades
  • Do not try to take short-cuts, and stick to designated evacuation routes
  • Avoid driving at night when it is harder to recognize flood dangers

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your flood coverage.

Contact us today, and we'll help you protect what matters most.