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When the Water Rises: How to Prepare for a Flood
Floods are among the most common and destructive natural disasters, costing homeowners billions of dollars each year. Several factors can result in flooding, including heavy rainfall, rapid snowmelt, dam failures or coastal storms. Being prepared for floods is crucial to minimize the potential risks and ensure the safety of yourself, your loved ones and your property. Here are some things to remember when prepping for a flood.
Stay Informed
It might seem obvious; however, staying informed about flood risks in your area is the first step toward preparedness. Be sure to monitor weather forecasts, flood warnings and alerts from local authorities and the National Weather Service. You can also sign up for severe weather alerts from AAA or other communication channels to receive timely information. Familiarize yourself with what the different weather alerts mean: a "watch" means the weather conditions make flooding likely, while a "warning" indicates that flooding is either occurring or highly likely.
Develop an Emergency Plan:
Create a comprehensive emergency plan that covers actions to take before, during and after a flood. Identify safe evacuation routes, meeting points and contacts. Consider adding alternative communication methods in case phones aren’t an option. Make sure all family members are familiar with the plan and practice drills regularly to ensure everyone knows what to do in case of a flood. For ideas about creating an emergency plan that works for your family, visit Ready.gov.
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Review Insurance Coverage:
Standard home insurance typically doesn't include flood insurance. Review your homeowners' or renters' policy to understand what coverage you have and to prioritize whether you should purchase additional protection. This specialized coverage can help you recover quicker and minimize the financial burden after a flood disaster. Having flood insurance helps ensure you're not solely reliant on government assistance or disaster relief, providing a greater sense of security and control over recovery efforts. It can also enhance your property's resale value, as potential buyers are more likely to consider a property with comprehensive flood coverage. Make sure to purchase flood insurance early because there is a 30-day waiting period before coverage begins.
Create a Home Inventory:
A current list of all your major possessions can help ensure you have the right amount of coverage. Knowing what you own and its estimated financial value is helpful when you’re reviewing your policy with your insurance agent. In the event you need to file a claim for theft or damage, a home inventory can help expedite the process. Creating one is as simple as making a list of items or even recording a video on your phone. Get more tips for making a home inventory list from AAA.
There are things you can do now, well before there is bad weather in the forecast, that will help you later, when a storm is approaching. Walk through and around your house to identify things that might be affected by severe weather and consider ways to prevent problems. Make a to-do list. Here are a few specific things to look for.
Now, in good weather:
Review your flood insurance to make sure you have proper coverage
Install check valves in plumbing to prevent sewage backflow
Seal cracks in walls and foundation to prevent water seepage
Consider installing sump pumps and water-resistant barriers for added protection
Later, when a threat is approaching:
Turn off utilities at main switches, and if you can, disconnect any appliances
Move any valuables, electronics or sentimental items to a safe place
Secure outdoor items, especially fuel tanks
Build an Emergency Kit:
Prepare a well-stocked emergency kit that includes non-perishable food, clean water and necessary medications to sustain yourself, your family and any pets for several days. Don't forget to pack important documents like identification, insurance papers, and medical records in a waterproof container. Equip the kit with a flashlight, extra batteries, a multi-tool and a first aid kit to address immediate needs during the flood. Lastly, consider adding personal hygiene items, clothing, blankets, pet food, bedding and leash, and a battery-powered or hand-crank radio to stay informed about the situation and any rescue efforts.
Evacuation Preparedness:
If authorities do issue an evacuation order, follow it promptly and orderly. Pack any essential items not contained in your emergency kit. Make sure to create a detailed evacuation plan that outline escape routes, emergency shelters and transportation options and share it with your family. Don’t forget your pets! Locate pet-friendly shelters or accommodations in advance and have a secure leash or carrier on hand for safe transport.
This information is provided for general informational purposes only. The Auto Club Group does not assume any liability in connection with providing this information.
