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.
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 to flooding:
. Listen to the radio or television for emergency information and evacuate immediately if your local officials tell you to do so.
. Never walk or drive through rushing flood waters. Even six inches of moving water is dangerous.
. Avoid floodwaters, storm drains and sewers. Move to higher ground.
. Watch out for snakes and small animals that may seek shelter in your home.
. Stay away from downed power lines and electrical wires.
. Never enter buildings surrounded by flood waters.
A flood can happen in any community so it is important to have flood insurance and know how to stay safe during a flood. Talk to your agent for more information.