Become Flood Smart for 2011 Flooding
When it comes
to flooding there are certain factors that are indisputable.
- Floods are the single most common natural
disaster in the United States.
- Floods occur in all 50 states, and for any
number of reasons.
- Every year in the US, flood losses amount to
$2.7 billion or higher.
- A car can be swept away by just two feet of
moving water, and six inches can knock a grown man off his feet.
- Flooding doesn’t have to be a federally declared
disaster to destroy lives and property.
most people are not insured against flooding or water damage, mistakenly
assuming that it is already covered under their standard homeowners
policy. This could not be further from
Once you do
obtain a flood insurance policy, it typically takes about 30 days for such a
policy to actually kick in, meaning you are still vulnerable for almost a month
after taking out such protection.
In order to
obtain flood coverage, your community needs to participate in the National
Flood Insurance Program (NFIP), which provides such coverage for homeowners,
renters, and businesses. To find out if
your community does participate, go to www.floodsmart.gov. You can discover the risk to your area by
simply typing in your address. It will
also provide contact information for insurance agents who can answer all of
your question regarding flooding and flood coverage.
damage policies are around $120 annually, which is well worth it when you stop
to consider the enormous potential loss to your property and possessions as the
result of flooding. NFIP flood insurance
can cover your home for up to $250,000 for the structure and $100,000 for the
Flood clean up
can be a lengthy and expensive process, so having coverage is always
You also want
to do some research and have the contact information for your local water restoration company, one that can come in and handle all aspects of your
water damage problem and get things back to normal as rapidly as possible.
Of course, with
no government regulations in place to determine who can and cannot do this sort
of work, finding a qualified provider can be somewhat problematic. The ideal provider will be certified by an
industry leader such as the Institute for Inspection, Cleaning, and Restoration
Certification (IICRC), available 24/7, with a full staff of technicians
proficient on the latest water damage tools and procedures, and offer a full range
of services designed to get your home back to its pre loss condition.
They will not
only be able to have somebody out to your property within an hour of your call
to assess the problem and begin water restoration procedures, but they can also
work alongside your insurance to make sure that everything is covered and
provided for in short order, making sure that you are able to resume your
normal life as soon as possible.
Floods are a
very real threat to you and your family.
Don’t be caught unaware. Contact
your local IICRC certified water damage professionals today.
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