It’s summer, which means we’re getting into storm season. The first tropical storm, Andrea, inaugurated the opening of Hurricane Season and The National Weather Service is predicting that 2013 will have an active season. This means a lot of storms and a lot of rain. Almost anywhere it rains, it can flood and preparation is just as critical as with other types of emergencies. In this article we’ll look at a number of ways in which you can prevent, limit, or react to flooding and flood damage.
Preparing for a Flood
The Federal Emergency Management Agency recommends a number of steps to stay safe during emergencies and limit damage from flooding. You should:
• Build an emergency kit for your family containing enough drinking water and nonperishable food for each member of your family for two weeks. Also include flashlights, radio, batteries, first-aid kit, medications, personal hygiene items and copies of important documents.
• Create a communication plan so family members can reach one another.
• Elevate your furnace, water heater and electric panel in your home if you live in an area with a high flood risk.
• Consider installing “check valves” to prevent floodwater from backing up into the drains of your home.
• If possible, construct barriers to stop floodwater from entering your home and seal basement walls with waterproofing compounds.
Acting during a Flood
If a flood is likely in your area, quick action may be necessary to protect your family and property. You should:
• Get information from the radio, television or a trusted website or weather app on your mobile phone.
• Move immediately to higher ground if there is any possibility of a flash flood. Do not wait for instructions to move.
• If you need to evacuate, secure your home and move essential items to an upper floor. Turn off utilities if instructed to do so, and disconnect electrical appliances. However, do not touch electrical equipment if you are wet or standing in water.
• Do not walk through moving water — it can make you fall. Use a stick to check the firmness of the ground in front of you.
• Do not drive into flooded areas. If you are caught in your vehicle in floodwater, abandon your car and move to higher ground if you can do so safely.
• If you have evacuated your home, do not return until authorities tell you it is safe.
Coping after a Flood
Flooding can cause emotional stress along with physical hazards, so be mindful of the well-being of you and your family during the aftermath.
• Floodwater can be contaminated by oil, gasoline or sewage, so avoid contact as much as possible.
• Make sure your city’s water supply is safe to drink.
• Clean and disinfect everything that was in contact with floodwater.
• The Red Cross has a free book available called “Repairing Your Flooded Home,” which contains useful information as you clean up. It’s available at redcross.org.
• If you have flood insurance, contact the claims center of your provider as soon as possible.
It’s important to note that flood damage is typically not covered by your homeowners or renters insurance. There are specialized flood insurance programs that Founders Insurance Services can discuss with you. Contact us at 1-800-845-1614 or InsuranceServices@foundersfcu.com for more information or to have a member of our team help you determine how ready your insurance plan may be for flood damage.
These products offered through Founders Financial Group, LLC, doing business as Founders Insurance Services. Insurance products not underwritten by Founders Financial Group, LLC or any affiliated company.
Not NCUA Insured - No Credit Union Guarantee - May Lose Value - Not Deposits - Not Insured by any Federal Government Agency.