I don't have flood insurance--Why do I need it?

Generally, the standard homeowner's insurance policy does not provide coverage for flooding, surface water that enters the home or rising water. Floods are the nation’s most common and costly natural disaster and cause millions of dollars in damage every year. Generally, there is a thirty (30) day waiting period for a new flood insurance policy to become effective; although there are some exceptions to this general rule.

Before a Flood

  • Prepare an emergency kit and make a family communications plan.
  • Avoid building in floodplains unless structure is elevated and reinforced.
  • Elevate the furnace, water heater and electric panel.
  • Consider installing “check valves” to prevent floodwater backups.
  • Construct barriers to stop floodwater from entering the building and seal walls in basements with waterproofing compounds.

Driving Tips

  • Six inches of water will stall or cause control issues in most passenger vehicles.
  • A foot of water will float many passenger vehicles.
  • Two feet of rushing water can carry away most passenger vehicles including SUV’s and pick-ups.
  • Never attempt to drive through a flooded road, depth is not always obvious and the roadbed may be washed away under the surface.
  • Do not drive around barricades.
  • Do not try to take short cuts and stick to designated evacuation routes.
  • Avoid driving at night when it is harder to recognize flood dangers.

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