· Stay tuned on your local weather channel or radio station for rainfall or flooding with your area even after the storm or hurricane has passed.
· Do not drink or use tap water to prepare food until you get word from the local government that it’s free from impurities.
· Check for food spoilage on your refrigerator and throw them out if necessary.
· If you’ve had to evacuate your home, do not return until the local official tells you that it’s safe.
· Do not attempt to drive unless it’s proclaimed safe by your local government. Do not pass by bridges and avoid roads that are flooded.
· Inspect home for damages and take pictures if needed for insurance claims.
Before filing a claim for water damages, you have to make sure that your insurance covers all of them. To give you an idea, here’s everything you need to know about flood insurance and its coverage.
Flood Insurance Coverage
There are two types of coverage for flood insurance; building property and personal property. Most insurance companies allow homeowners to choose a separate limit for building property coverage and personal property coverage. You need to ask your insurance agent about the amount of coverage that they offer.
Low-Cost Flood Insurance Policy
For those who live in low-risk and moderate-risk areas, you can choose from over 80 US insurance companies for a low-cost flood insurance policy accredited by the government. You can check online and ask for quotes to compare each policy and get the most affordable one with the best coverage limits.
Flood Insurance Rates
Depending on the type of coverage that you’re getting as well as the insurance company and coverage limits that you choose, your flood insurance rates may vary. As a homeowner, it’s smart to get both types of insurance coverage to ensure full protection in case of flooding.
Don’t Rely on the Government for Flooding Damages
In the US, before the federal disaster assistance covers your home damages, the President needs to declare your area under a state or major disaster. On the other hand, your flood insurance will cover damages to your home whether or not disaster was declared. Moreover, even if you get assistance from the government, you are only eligible for $4,000 per household.
At Brad Spurgeon, we aim to make our client's life easier with policies that are tailored to their needs. You can get more information about our products and services by calling our agency at (409) 945-4746. Get your free quote today by CLICKING HERE.