Flood Safety Tips

Floods can occur anywhere, with floodwaters rising gradually or flash floods striking suddenly. Flash floods are the number one weather-related killer in the United States — most flood fatalities happen because people try to drive through deadly waters rather than avoid them. (Source: Federal Emergency Management Agency, 2005) Water’s powerful force can easily overtake vehicles caught in […]

What’s Not Covered

Most standard homeowners policies provide protection from water damage if the cause is sudden and accidental. According to the Insurance Information Institute, you’ll likely be protected if, for instance, your drywall is drenched after your water heater ruptures or an upstairs pipe bursts and water saturates the ceiling below. Homeowners insurance does not cover all […]

What To Do Before, During & After a Flood

Sometimes there is no warning of flash floods, and that is why it is important to think of them and prepare for them before they happen. Here are a few things you can do. Before the floods… Know about your local relief centers and evacuation routes. Keep emergency numbers and important information handy, as well […]

Flood vs. Water Damage

Many people who experience a water loss never know what’s covered until it’s too late.  Many are completely unaware that water damage losses are completely different than flood losses. There basically are two insurance policies that deal with a homeowner’s damage due to water — a flood insurance policy and a homeowners insurance policy. Losses […]