Media Center | APCIA At Work

Flooding Headquarters

As Hurricane Season Approaches APCIA Urges Property Owners & Congress to be Flood Ready

Flooding 02 Homepage 329x185Flooding can happen anywhere at any time of the year, which is why it’s important to be financially prepared for a major flooding event.

APCIA urges individuals and communities to understand their flood risk and take precautions to protect themselves and their property. It’s important to remember only a few inches of water can cause thousands of dollars in damage.

Insurers encourage you to review your insurance coverage and make sure you are covered if your home or property is damaged by flooding.

Flood insurance is not typically covered by a homeowner’s insurance policy, but is available separately through the National Flood Insurance Program (NFIP).

APCIA offers the following tips for before, during, and after flood events:

Review your insurance policy. Have a conversation with your agent to evaluate your insurance coverage and determine whether you should purchase additional flood insurance. Get familiar with what’s covered in your policies and know your deductibles. Higher deductibles can keep the cost of insurance down.

Complete a home inventory. Make a list of your household items and photograph or use your smartphone to take a video for further documentation. Include receipts, descriptions, and estimated values. Keep your inventory and insurance policies in a safe place.

Stay alert to rising water. Flood emergencies can develop quickly. It’s important to monitor media reports, and if your home is near water or in a low-lying area, stay alert and seek higher ground if necessary. Also, never drive through high water. Remember: ‘turn around, don’t drown.’

Document damage. Contact your insurer right away to get the claims process started if you suffer flood damage. Make a list of damages and take photographs before you start cleaning up. Set aside damaged furniture and other expensive items to show to your adjuster, and keep receipts for any temporary repairs that you make. To settle your claim quickly and accurately, it helps to have as much information as possible about your damaged possessions. Also, ask your insurer for referrals for professional restoration, cleaning and salvage companies.

Follow us on Twitter @TEAMAPCIA for more important flood tips and new developments with the NFIP.