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As hurricane season approaches, preparing for a possible flood becomes important. Our team at Collum Insurance Group LLC in Richardson, TX have created the following flood preparation guide to help minimize flood damage.
Flood Preparations
If your property is prone to flooding, consider the following suggestions. But note –
- Flood insurance usually has a waiting period before it becomes effective, so it can’t be bought last minute.
- When authorities issue evacuation orders, it is essential to follow these safety orders.
Stay Informed
Fortunately, technology has made great strides in predicting the location of catastrophic weather events. Stay informed of local forecasts. Sign up for emergency alerts.
Develop An Emergency Plan & Flood Emergency Kit
Your emergency plan should include, at a minimum, the following –
- Evacuation routes.
- A Designated Meeting Place.
- Emergency Services Contact Info.
The flood emergency kit should be easily accessible and include the following –
- Food
- Water
- Medications
- First Aid Supplies
- Flashlights
- Batteries
- A Battery-Powered Radio, etc.
Safeguard Important Documents & Move Valuables to Higher Ground
Store important documents – financial records, IDs, and insurance papers in a waterproof container. Consider making digital copies. Relocate valuable possessions to higher floors.
Clear Gutters & Drains
Regularly clean gutters and downspouts, reducing the chance of water backing up.
Secure Outdoor Items
Outdoor equipment and furniture should be either secured or moved to higher ground.
Know Your Flood Risk – Obtain Flood Insurance
Determine if your property is within a federally designated flood zone. Understand the property’s elevation to assess risk. And a traditional homeowners policy does NOT cover flood damage.
Contact a Leading Richardson, TX Insurance Company Today
The licensed insurance representatives at Collum Insurance Group LLC can provide information on available flood policies. We are happy to help!