East Coast Public Adjusters (305) 441-0882 FLOOD TIPS

Did you know...

Floods and flash floods are the most common natural disaster, occurring in all 50 states. Floods cause devastating damage to buildings and personal belongings. One in three flood insurance claims are generated outside areas considered "flood-prone." Homeowners insurance does not cover flood damage.

Protecting yourself is easy!

Flood insurance provides coverage your homeowners insurance does not cover. It is not expensive, especially when compared with the monthly payments for disaster loans, and it's easy to get--just call your insurance agent.

What to ask your insurance agent?

Do I have flood insurance? How much flood insurance should I purchase? How much contents coverage should I purchase? Should I consider a three-year policy to reduce my premiums? Do I qualify for a preferred risk policy? Can I finance my premiums?

Before a flood:

Make a written, photographic and/or videotaped inventory of household possessions and property, and store it in a safe place (e.g. a relative's home or safe deposit box) with insurance policies, documents and other valuables. Take a first aid class from your local American Red Cross chapter. Assemble a disaster supplies kit that includes a first aid kit, canned food, non-electric can opener, bottled water (emergency managers recommend 3 gallons per person), rubber boots, rubber gloves, battery-powered radio, flashlight and extra batteries. Identify evacuation routes & shelters.

During a flood:

When a watch is issued, listen to local radio and TV stations for information. When a warning is issued, move furniture and valuables to higher floors of your home. Abandon your car if stalled in rapidly rising waters and climb to higher ground. Do not drive into any large puddles or into water that seems to be moving rapidly.

After a flood:

Call your insurance agent as soon as possible to see if you need to file a claim. Make temporary repairs to prevent further damage. Keep all receipts. Delay permanent repairs until your insurer approves reimbursement. Get any necessary construction permits from your community. Prepare an inventory of all damaged or destroyed personal property. Take photos of damaged structural and personal property. Save remnants of damaged or destroyed property for your insurance company adjuster. Meet with your adjuster before signing anything with contractors, lawyers or public adjusters. Let your car dry out before trying to start it.

	Did you know... Floods and flash floods are the most common natural disaster, occurring in all 50 states. Floods cause devastating damage to buildings and personal belongings. One in three flood insurance claims are generated outside areas considered "flood-prone." Homeowners insurance does not cover flood damage. Protecting yourself is easy! Flood insurance provides coverage your homeowners insurance does not cover. It is not expensive, especially when compared with the monthly payments for disaster loans, and it's easy to get--just call your insurance agent. What to ask your insurance agent? Do I have flood insurance? How much flood insurance should I purchase? How much contents coverage should I purchase? Should I consider a three-year policy to reduce my premiums? Do I qualify for a preferred risk policy? Can I finance my premiums? Before a flood: Make a written, photographic and/or videotaped inventory of household possessions and property, and store it in a safe place (e.g. a relative's home or safe deposit box) with insurance policies, documents and other valuables. Take a first aid class from your local American Red Cross chapter. Assemble a disaster supplies kit that includes a first aid kit, canned food, non-electric can opener, bottled water (emergency managers recommend 3 gallons per person), rubber boots, rubber gloves, battery-powered radio, flashlight and extra batteries. Identify evacuation routes & shelters. During a flood: When a watch is issued, listen to local radio and TV stations for information. When a warning is issued, move furniture and valuables to higher floors of your home. Abandon your car if stalled in rapidly rising waters and climb to higher ground. Do not drive into any large puddles or into water that seems to be moving rapidly. After a flood: Call your insurance agent as soon as possible to see if you need to file a claim. Make temporary repairs to prevent further damage. Keep all receipts. Delay permanent repairs until your insurer approves reimbursement. Get any necessary construction permits from your community. Prepare an inventory of all damaged or destroyed personal property. Take photos of damaged structural and personal property. Save remnants of damaged or destroyed property for your insurance company adjuster. Meet with your adjuster before signing anything with contractors, lawyers or public adjusters. Let your car dry out before trying to start it.