Floods usually occur in springtime. This is due to the melting of snow, torrential rain, typhoons, and mudslides can cause flooding in any area especially at those low ones. Your home insurance coverage does not usually cover such catastrophe; thus, you need a separate coverage to protect your home and other properties from severe damage caused by flooding.
If you know your area could be a platform, make sure that you have flood insurance that can answer to your need in case it happens. Damages caused by floods are hard to recover especially the ones that are in use of electric, paper, and metal (can accumulate rust if exposed to water).
You must also make sure that your family has health coverage, so you do not have too much worry if someone from them caught a cold, the flu, or other typhoon and flood-inflicted diseases. As a form of immediate response, you must be prepared with your emergency kit that includes water, food, first-aid materials, clothing, blanket, and battery-operated lights and radio.
What You Can Do During And After Flooding
Flooding would be an inevitable disaster especially if your local areas were visited with heavy typhoons and intense storms. In case of emergency, you may reach your community head to seek help, disaster and management department to help you monitor the movement of water in your area.
You must prepare all needed documents to align with insurance claims. After the flooding, if you want to report what happened to your area and ask for guidance with your coverage, you may contact the National Flood Insurance Program division of the Federal Emergency Management Agency (FEMA). They are a task to help you with your insurance policy.
If the flood is caused by your clogged drainage and broken pipes in your home, make sure to inform the agency still so they can further review the coverage and see if they have the call for the damage reported.
There is no guarantee that you will be safe from extreme flooding caused by natural phenomenon, but you can make sure that there is no such occurrence if your home is taken good care of. Double or triple your pipes, drainage, as well as other electrical support to make sure that there would be no other disasters expected.
Be sure that you know the policies and the entire coverage; as well as have the possession of necessary documents for the coverage to have prompt action in case the disaster occurs.