Flash flooding is incredibly dangerous because it often happens with little to no warning. As a result, the effects are usually devastating. While you can't control Mother Nature, you have the opportunity to protect your home and loved ones with a few simple preparatory steps, like flood insurance. Take a closer look at how to prepare for this type of natural disaster, here.
Determine Your Risk
Geographical differences make some locations more vulnerable to flooding, so it's crucial that you understand your home's risks. To achieve this step, utilize the Flood Map Service Center provided by FEMA. Simply enter your address to find out the level of risk involved in your location as well as your home's distance to waterways.
Just because you live outside of a flood zone, doesn't mean your home won't be affected by a flash flood. As a result, you should still consider buying protection because standard homeowners insurance policies don't cover flood-related damage. Flood insurance policies are available for purchase through an agent or broker taking part in the National Flood Insurance Program — NFIP.
Create an Evacuation Plan
Regardless of your risk, every homeowner needs a flash flood strategy in place. First, find the emergency shelters in your area. Next, map out possible evacuation routes that avoid low-lying areas where flooding is likely. Once you've put your plan in place, review it with all members of your family to ensure they know what to do and where to go.
It's also imperative that you don't forget about pets. Be sure to find out your shelter's rules regarding dogs and cats. If they don't allow them, contact local organizations to find out if they provide temporary housing for pets so that you know where you need to take them.
Develop an Emergency Checklist
When a flash flood warning occurs, water rises fast. An emergency checklist will help you gather the supplies that you need quickly and efficiently. It's best to keep a 'just-in-case' bag filled with bottled water, non-perishable food, and flashlights or candles. To prepare for the aftermath of flooding, place important documents in a waterproof lockbox that's easy to grab and carry with you. You'll want to include things like birth certificates, social security cards, your house deed, and a copy of your flood insurance policy.
Flash floods come on quick, so start your preparation today by turning to P.D.H. Insurance Brokerage for a flood insurance policy. For over 30 years, the insurance broker has worked side-by-side with residents and businesses throughout Nassau County, NY. From commercial and livery to auto and homeowner’s insurance, the team provides personalized service to ensure each party finds the right policy for their needs. Learn more about their offerings online, or request a quote today by calling (516) 561-5227.