Without warning, floods can happen. One heavy rainstorm can change everything even if you don?t live near a river. According to the Federal Emergency Management Agency, floods can happen anywhere.
Floods occur whenever rain, melting snow or even a dam break produces more water than the land can readily absorb. Your family and belongings can be protected from floods as long as you use the following tips:
In a secure place is where you should keep your up-to-date home inventory and other important papers. If evacuation is your only option, then take these items with you. In a bank safety-deposit box, you should also keep exact copies in a place away from home.
During floods, utility services may be disrupted. Non-perishable food that requires little or no cooking should be stocked. You can buy some bottled water to prepare jugs for filling with water.
You also need to check portable radios and flashlights. Make sure you have new batteries on hand.
Make sure your car?s gas tank is filled. Keeping the oil and gas tanks of your home heating system filled is also important. Doing this will help keep them from causing damage to the foundation and keep them from coming loose.
When authorities tell you to evacuate, then leave immediately. If you delay, then you can get trapped without an escape route. Flooding changes the way areas and landmarks look and because of this you can easily become disoriented.
Walking or driving through flowing water is a big mistake. Even six inches of fast-moving water is enough to knock down an adult.
Be alert to downed electrical wires and gas leaks. Since electricity travels through water, reporting downed wires as soon as possible is important. Have a trained professional check electric devices, heating, and air conditioning equipment before you use any of the. It?s possible that the damage is not obvious if the equipment is exposed to moisture or was under water.
As soon as possible, you need to contact your insurance representative. Take photos in order to document the damages. Evidence of damage and loss should be kept for the claims adjuster.
Flood damage is not covered by standard homeowners insurance but there are special flood insurance that covers this risk. Flood insurance pays for covered losses quickly. Government loans and grants may take some time and not cover what was lost. A coverage information or a no-obligation quote is what your insurance agent can give you.
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Tags: family, finance, Finance and Insurance, financial planning, flood insurance, home, home and family, home insurance, homeowners insurance, insurance, investing, personal finance, wealth buildingTopics: insurance
Source: http://carsandinsurance.info/insurance/flood-damage
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