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Topic of the week: Personal Insurance

Quick Flood Preparation Tips

By Pete Carr - Branch Manager, Poughkeepsie & Wappingers Falls, NY

  • Virtually everyone in the United States lives in a potential flood zone – but only about 2 percent of Americans have flood insurance. Following are helpful flood preparation tips to encourage you to add this necessary coverage:

    • Review your current homeowners and/or business insurance policy and become familiar with what is and is not covered. Remember – damage due to flooding is typically not included in your policy.

    • Contact us to purchase flood insurance for your home and business – and its contents.

    • Make a flood plan and establish evacuation routes with your family or employees. Ask someone out of state to be a "family contact" in case you get separated from loved ones.

    • Before a flood or natural disaster occurs, get ahead of the game by itemizing and taking pictures of your possessions.

    • To avoid water damage during a flood, keep valuable items and family heirlooms on the upper floors – or on high shelves in your closets – of your home or business.

    • For more information about how to prepare for a flood, visit www.floodsmart.gov/floodsmart/pages/preparation_recovery/before_a_flood.jsp

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