Flood Safety: Before the Flood

 In Blog, Flood Insurance, Home Insurance

Knowing what to do before, during, and after a storm can minimize accidents, injuries, and property damage. All homeowners, especially those living in high-risk flood areas, should have home insurance and flood insurance. Remember, your home insurance does not automatically cover flood damage, so you have to talk to your agent to make sure you have the right coverage.

Preparing for the storm

Even though you have home insurance and flood insurance, you aren’t just going to sit back and watch your home and valuables get washed away by the flood. You can be proactive before the storm to minimize the damage.

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Heavy rains can lead to flash flooding. Stay alert during a storm to protect your home and your family.

Stay informed

If a storm is brewing, be sure to check local weather stations and news channels to stay up to date on the latest updates and information.

You should also look out the window now and then. Weather reports have been known to be wrong, so it’s important that you also use your own common sense. If you see a storm coming, it’s time to get your family to safety. Listen for the sound of thunder to determine the direction the storm is heading, and if it is moving closer to you. When you see a flash of lightning, start counting until you hear the thunder. The less time between the sight and the sound, the closer you are to the eye of the storm.

Stay in touch with family, friends, and neighbors in your community and make sure everyone has the latest information.

Get your gutters ready

Protect your home from flood damage

Bring valuable, especially irreplaceable sentimental items like a photo album, to higher ground and protect them from flood damage.

Always make sure your gutters and drainage systems are clean and clear of debris. Check your roof. Your roof and your gutter system are your home’s number one defenses against a severe storm.

Move to higher ground

Homes near bodies of water (rivers, creeks, lakes) should consider moving to higher ground. Floods can happen in a flash; that’s why they’re called flash floods. If you see them coming, it’s too late. Having an emergency backup place to head to in case of a storm and flood warnings can save you a lot of time and help you and your family get out of the house before the flood.

If you have time, move anything valuable in your home to higher floors. Protect anything of sentimental or financial value from potential flood damage, especially items that are irreplaceable, regardless of how much insurance you have.

Have a storm emergency kit

Flood insurance for your home

Prepare an emergency kit in case of injuries during a storm.

If you can’t leave the house, make sure you have plenty of drinking water, batteries, flashlights, and non-perishable food to last you and your family. A good rule of thumb is a three-day supply.

You should also have a first-aid kit with bandaids, gauze, scissors, hydrogen peroxide, and some Neosporin. If anyone in your family suffers from an illness that requires medicine, make sure you always have a full prescription handy, as well as extra inhalers, anti-histamine, and anything else that is vital to the health and well-being of your family.

Flood insurance for Colorado homeowners

Colorado is no stranger to floods and flash floods. Floods cause tens of thousands of dollars (if not more) in damage. We want to help you and your family get the best insurance so that you aren’t financially devastated by flood damage.

Talk to one of our agents about flood insurance for your Colorado home.

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