What To Do Before A Flood

Floods can happen at any time. In case a flood does occur, it is in your best interest to be prepared to make your life that much easier. Listed below are the steps that should be taken before a flood occurs.

1. Double Check Your Policy

Just like any other important documentation, an individual wants to make sure that the policy is correct. This includes all of the information contained within the policy. If one has refinanced, double check to make sure the correct company is listed on the policy.

Make a detailed list and other forms of documentation if you have purchased content coverage. The list should include

  • Date of purchase
  • Place of purchase
  • Model number or serial number of the item
  • Detailed description
  • Proof of purchase (receipt) or the cost listed
  • Picture or videos of the property

2. Protect Important Documents

If a flood occurs, it is imperative that you secure important documents. Place important documents in an area that is least likely to be affected by flood waters. Doing so will make filing a claim that much easier.

Important documents include:

  • Date of purchase
  • Place of purchase
  • Model number or serial number of the item
  • Detailed description
  • Proof of purchase (receipt) or the cost listed
  • Picture or videos of the property

3. Communicate With Insurance Agent

To ensure that you are well covered and prepared for a flood, communication with your insurance agent or company is crucial. This way, if a flood does occur, you will know the appropriate steps and procedure necessary when filing a claim. Depending on the severity of the flood, normal communication methods may be cut off. Knowing the steps in advance will make the process much easier for both you and the insurance company.

4. Emergency Contact

Floods and other disasters may vary in severity. For protection and safety reasons, make sure to inform your insurance agent with an emergency contact in case you cannot be reached.