Flood Damage Is #1 Natural Disaster

12/14/2016 (Permalink)

A flooded business or home is never a good thing.

Flood Damage

Floods are the number 1 natural disaster in the United States. Flooding causes damage and destruction across regions nationwide, wiping out homes and businesses. However, many residents and business owners are unaware that they qualify for flood insurance. You can take steps to reduce the financial impact of flooding before a disaster strikes. One important step is understanding your risk. Even a heavy rainstorm can cause significant flooding, contributing to flash floods, mudflows, or overtopping levees and dams.

Contact your insurance company as soon as possible and follow their directions. Not all flooding is covered by a basic homeowners policy, so work with your agent to discover the cause and identify coverage you can qualify for. Do not remove any water before talking to them so you don’t accidentally do anything that will decrease the amount of coverage you’ll be able to claim. If the insurance company wants you to wait for an adjuster before making repairs, do so — but make sure you give them a clear picture of the damage and repairs that are immediately needed.