Comprehensive Flood Fact Sheet

Floods affect many different parts of the world, and often they are quick and unexpected. Sometimes meteorologists can predict potential flooding, but in some cases these anomalies creep up when least expected. It's important to know the flash flooding warning signs, particularly if you live in low lying areas. Heavy rain, tsunamis, and hurricanes are common causes of floods. Places near rivers and streams can be prone to flooding, as well as property near the ocean in an event like a hurricane. When snow melts, small communities can flood when rivers rise. Pay attention to the weather patterns so you know what to look for. If you live in a flood zone, or a flood prone area, be sure to have the necessary supplies such as a flashlight, batteries, first aid kit, bottled water, radio, wading or rain boots, non-perishable food, and dry clothing. All of these items should be kept in a safe place that can easily be reached if there is a flood. They could very well be instrumental in getting help or saving lives.

It is important not to panic when flooding is in your area. Be sure to have a plan already set in place, so you can get out of the affected area as soon as possible. Talk to family members and friends who live nearby, and develop an evacuation and communication plan. This way, if there is some flooding coming, you can be ready to exit the area quickly and stay with someone who is not going to be affected. Flooding happens fast, so you need to be readily prepared with an evacuation plan out of the area. Often, people find themselves trapped in a vehicle when it floods. This can cause serious injury, property damage, and death. If you end up getting trapped in a car during a flood, do not panic. Try your best to get out of the car if you can. Never stay inside a vehicle that has been swept into flood waters if you can avoid it. Some people tend to get on the roof of their car while there is a flood. Only do this if you feel you can stay on top of the car until help arrives. In some cases, the entire can be entirely submerged, and you can get caught in the undertow. Use your cool and common sense when it comes to vehicles and flooding.

Perhaps the most memorable thing floods leave behind is the immense property damage, particularly to homes and other structures. If this happens to you, it's imperative that you call your insurance company immediately. You should also take photographs and notes, so you will have all information available to your adjuster, and so they can get an idea of the scope of damage. Not all areas of the country are considered flood zones, and most insurance companies will only offer flood insurance if you already live in a flood zone. In some places, this form of insurance is mandatory when you purchase property. If you think you may flood at any point, getting flood insurance is a good idea. Most natural disasters are covered under homeowner's insurance, however flooding requires its own, special supplemental form of insurance so talk to your agent if you have any doubts or questions.

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Guardian Insurance does not endorse the content of these articles and they are provided merely for information. These articles are reproduced with the permission of the Author.