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Flood: Be prepared, be safe
Flood: Be prepared, be safe
By George Vassilas, CPCU,  State Farm®
People have said it couldn't happen to them. People have said it wouldn't happen in their area.
But it can and it does. And when a flood occurs in the community, anyone can suffer the devastation of a loss -lost property, lost irreplaceable items and, unfortunately, sometimes lost lives.
Protect your home:
Many times, protecting your valuables and other possessions against flood may be overlooked because most homeowners policies do not cover loss caused by floods.
Flood insurance can be purchased from the National Flood Insurance Program (NFIP), which is administered by the Federal Insurance Administration (FIA) which is a branch of the Federal Emergency Management Agency (FEMA). You should talk to your insurance agent to see if he or she can sell and service flood insurance through the NFIP in your community.
A flood insurance policy usually takes 30 days to go into effect, so don't wait until a flood is imminent before purchasing your policy.
Protect yourself:
Remember that your dwelling, furnishings and possessions can be covered by flood insurance, but your life can never be replaced. Take into consideration these safety tips if your community is subject ... more

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