At Gulf Coast Educators Insurance, our goal is to protect you and your family from the many unplanned disasters that can come your way. This includes protecting your home against a flood. We offer flood insurance and recommend that you have your homeowners insurance and flood insurance reviewed on an annual basis. What most people don’t realize is that flood zone designations can change. Things like new construction can change runoff patterns and cause flooding in areas that never received it before. Fortunately, it is easy to check, and we will be happy to do it for you during a consultation over the phone or in person.
Having the right level of flood insurance coverage is the best place to start when creating your emergency plan. Remember that this coverage wonÃ¢Â?Â?t be found in your standard homeowner’s insurance policy, so you will need separate flood insurance. Beyond that, there are certain things you can do to prepare your family for this and any type of natural disaster.
Create an Escape Plan
If your home was threatened by a storm, had physical damage, caught on fire, or started to flood, how would you and your family get out? Businesses have an emergency escape plan for a reason, and you should, too. Knowing what you will do can help make sure that all your kids end up leaving the house the same way as you. This will prevent the need to try and find them in the middle of what could be significant chaos. You should also have a designated meeting spot away from your home in case some of you are home and others are out. It is also wise to have a family emergency contact.
Make a Go Bag
If you live in a flood zone, you need to prepare for the reality of evacuation. Most of the time, there are warnings, but in case you need to get out right away, you should have a “go bag”. This should include several days worth of clothes for each family member, toothbrushes, toothpaste, medication, cash, copies of IDs and important documents, diapers, a couple of toys, cell phone chargers, flashlight, water, and snacks. While only a few basic essentials, it can provide what you need if you have to suddenly stay at a hotel for a night or two.
Catalog Your Belongings
It is important to make a list of the important belongings in your home and provide that list to your insurance agent. For example, your furniture, artwork, jewelry, and electronics should all be listed out. Many of these items can be insured ahead of time, and by cataloging them, it will be easier to have them replaced in the event of a flood. Some people take extra precautions by taking photos of important things or making videos. You can even upload the photos to a private album on Facebook so you can access them in the future from anywhere with an Internet connection.
When discussing flood insurance, we can provide you with even more tips for how to protect you and your family. To review your policy, call and speak with one of our Florida insurance agents.