| Our
Agency |
| |
|
| |
|
| |
|
| |
|
| |
|
| |
|
| |
|
| |
|
| Resources |
| |
|
| |
|
| |
|
| |
|
| |
|
| |
|
| |
|
| |
|
| |
|
| |
|
| Free
Info |
| |
|
| |
|
| |
|
| |
|
| |
|
| |
|
| |
|
| |
|
| |
| |
|
| |
 |
|
|
Flood
Disaster Tips
Did you know...
-
Floods and flash floods are the most
common natural disaster, occurring in all 50 states?
-
Floods cause devastating damage to
buildings and personal belongings?
-
One in three flood insurance claims
are generated outside areas considered "flood-prone"?
-
Homeowners insurance does not cover
flood damage?
-
Make a written, photographic and/or
videotaped inventory of household possessions and property, and store
it in a safe place (e.g. the home of a relative or safe deposit box)
with insurance policies, documents and other valuables.
-
Take a first aid class from your
local American Red Cross chapter.
-
Assemble a disaster supplies kit
that includes a first aid kit, canned food, non-electric can opener;
bottled water (emergency managers recommend 3 gallons per person),
rubber boots, rubber gloves, battery-powered radio, flashlight and
extra batteries.
-
Identify evacuation locations.
-
When a warning is issued, listen
to local radio and TV stations for information.
-
When a watch is issued, move furniture
and valuables to higher floors of your home.
-
Abandon your car if stalled in rapidly
rising waters and climb to higher ground. Do not drive into any large
puddles or into water that seems to be moving rapidly.
-
Call your insurance agent as soon
as possible to see if you need to file a claim.
-
Make temporary repairs to prevent
further damage. Keep all receipts.
-
Delay permanent repairs until your
insurer approves reimbursement.
-
Get any necessary construction permits
from your community.
-
Prepare an inventory of all damaged
or destroyed personal property. Take photos of damaged areas.
-
Save remnants of damaged or destroyed
property for your insurance company adjuster.
-
Meet with your adjuster before signing
anything with contractors, lawyers or public adjuster.
-
Let your car dry out before trying
to start it.
Protecting yourself is easy!
Flood insurance picks up where your homeowners insurance
leaves off. It is not expensive, especially when compared with the monthly
payments for disaster loans, and it is easy to get -- just call your
insurance agent.
What to ask your insurance agent:
- Do I have flood insurance?
- How much flood insurance should I purchase?
- How much contents coverage should I purchase?
- Should I consider a three-year policy to reduce my
premiums?
- Do I qualify for a preferred risk policy?
- Can I finance my premiums?
|
|
