Preparing for a Flood: The 2 Step Process

By Bobbie Sage, About.com Guide

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Step 1: Safeguarding Your Family and Personal Property

Keep and inventory of your personal property with lists, serial numbers, video tapes, and pictures

Keep insurance documents and other important papers in a safe place where flood water cannot destroy them

Make a safe and separate area that can be removed quickly for treasured items such as photos and heirlooms

Know how to shut off your home utilities if you need to leave your home

Be aware of any outdoor items that would need to be secured or brought inside so they would not float away

Keep warm blankets, water, food (canned with a can opener), and a first aid kit in your vehicle incase you need to leave

Stock up on clean drinking water since it can become contaminated during major flooding

Teach your family what to do in case of an emergency such as having a meeting place if you get separated

Step 2: Making Sure You Are Adequately Covered by Insurance

Check with your insurance company to see what flood or water damage coverage you currently have

Find out about what flood insurance is available for your area

When purchasing a flood insurance policy be aware of policy limits, coverages, and waiting periods

If you already have flood insurance take the time to understand how to file a claim

Learn more about flood insuance from the Official Site of the National Flood Insurance Porgram

Bobbie Sage
Personal Insurance Guide