Almost anywhere it rains, it can flood. Even if you live in an area of that you think isn’t at risk, preparation is just as critical as with other types of emergencies.
Before we get into how you can prevent, limit or react to flooding, it’s important to note that flood damage is typically not covered by your homeowners or renters insurance. There are separate flood insurance policies that we at the Barton Insurance Agency can discuss with you. Just call us at 603-526-6991 or submit our contact form to the right to learn more about flood insurance in New Hampshire and to get a quote.
Preparing for a Flood
The Federal Emergency Management Agency recommends taking the following steps to stay safe during emergencies and limit damage from flooding:
-Build an emergency kit for your family containing items such as drinking water and nonperishable food for each member of your family (two-week supply), flashlights, a radio, extra batteries, a first-aid kit, necessary medications, personal hygiene items and copies of important documents.
-Create a communication plan so family members can reach one another.
-Elevate your furnace, water heater and electric panel in your home if you live in an area with a high flood risk.
-Consider installing “check valves” to prevent floodwater from backing up into the drains of your home.
-If possible, construct barriers to stop floodwater from entering your home and seal basement walls with waterproofing compounds.
Acting During a Flood
If a flood is likely in your area, quick action may be necessary to protect your family and property. Take the following actions:
-Get information from the radio or television.
-Move immediately to higher ground if there is any possibility of a flash flood. Do not wait for instructions to move.
-If you need to evacuate, secure your home and move essential items to an upper floor. Turn off utilities if instructed to do so, and disconnect electrical appliances. However, do not touch electrical equipment if you are wet or standing in water.
-Do not walk through moving water – it can make you fall. Use a stick to check the firmness of the ground in front of you.
-Do not drive into flooded areas. If you are caught in your vehicle in floodwater, abandon your car and move to higher ground if you can do so safely.
-If you have evacuated your home, do not return until authorities tell you it is safe.
Coping After a Flood
Flooding can cause emotional stress along with physical hazards, so be mindful of the well-being of you and your family members during the aftermath. Keep the following considerations in mind:
-Floodwater can be contaminated by oil, gasoline or sewage, so avoid contact as much as possible. -Make sure your city’s water supply is safe to drink.
-Clean and disinfect everything that was in contact with floodwater.
-Check out the free book “Repairing Your Flooded Home,”from The Red Cross which contains useful information as you clean up.
-If you have flood insurance, contact the claims center of your provider as soon as possible.
At the Barton Insurance Agency, the protection of your home, business, and other valuable assets is our priority. For additional safety tips, please review our other blog posts, or connect with us on Facebook.
To get a free flood insurance quote, please call us today at 603-526-6991 or click here to submit our online quote request form.