First Community Financial Group, Inc. Blog
Do you know what to do when a storm threatens? Prepare for hurricane season by taking the time now to understand the actions needed when time is of the essence.
It's important to know that most home policies don't cover flooding and just a few inches of water damage can cost thousands. Even those who don't live near water are at risk, because anywhere it rains, it can flood. Heavy rains, clogged or insufficient drainage systems, nearby construction projects, broken water mains and inadequate levees and dams can cause flooding that put your Home and belongings at risk.
Your home is one of your greatest investments. It's important to prepare ahead in the instance that a disaster could occur. Here are three simple steps to help make sure you're ready in the event of a Flood.
Call our agency today if you need a flood quote or have questions about your coverage! (936) 327-4364
Anyone who's been through a flood knows that recovering after this kind of disaster isn't easy. You're forced to accept that irreplaceable family treasures and memories may be gone forever, your furniture is destroyed, potentially along with your home. It's a devastating and emotional moment and a lot to take in all at once. But you know the only thing you can do is move forward, and begin the steps needed to restore your home.
As soon as the floodwaters recede, you can return to your home as long as officials give the OK to do so. Before entering your home, however, make sure it is safe!
Tips for staying safe upon return:
Bring waterproof boots, a first aid kit, cleaning supplies and a battery-powered flashlight with you before entering the house! You never know what you'll run into.
Tips for claim reporting: Another important step to take when recovering from a flood is reporting your loss immediately to your insurance agent or carrier. While flood coverage is typically not provided under most homeowners and renters policies, flood insurance may be available to you through the federally regulated program known as the National Flood Insurance Program (NFIP). If you need assistance to locate your flood insurance carrier, you can call 1-800-621-FEMA (3362). A claims adjuster should contact you within a day or two after report of the claim, depending on the severity of the flood event.
When reporting a claim, you should have the following information available:
When the adjuster arrives, they will inspect your property including taking measurements and photos and give you an overview of the NFIP flood claims process. Remember that some flood insurance claims are more complex than others. Some may be opened and closed quickly, while others may take weeks or even months to resolve.
If your vehicle was also damaged in a flood event, it's best to call your auto insurance provider to see if you're covered for the loss.
Contact us today for a free Flood Quote.
If you live in high-risk area for floods, purchasing flood insurance will help you have peace of mind.
Here’s what will and what won’t be covered under flood insurance: FloodSmart | What Does Flood Insurance Cover?
FloodSmart | How Do I Buy Flood Insurance?
Call us today for a free flood insurance quote. It couldn't be easier than that!