Are You Prepared For a Flood? Tips to Keep You and Your Property ...

Ar? Y?? Prepared F?r a Flood? Tips t? Keep Y?? ?nd Y??r Property Protected Th?? Flood Season

Chicago, IL (PRWEB) M?? 13, 2009

A? th? 2009 flood season ???r???h??, below ?r? ??m? simple steps ??? ??n take t? protect yourself, ???r family, ?nd ???r home.

1.????Develop a family emergency ?l?n. Pl?n ?nd practice a flood evacuation route w?th ???r family. A?k relatives t? b? ?n emergency family contact, ?nd ?r??t? ?n emergency safety kit.

2.????P?r?h??? ?r maintain a battery-operated radio f?r ??? during storms.

3.????Determine ???r flood risk b? entering ???r address ?t http://www.floodsmart.gov.

4.????Continue regular upkeep ?f ???r home. Check ???r sump pump monthly, clear debris fr?m gutters, anchor ?n? fuel tanks, ?nd raise ???r electrical components above ???r home?s projected flood elevation.

5.????Keep a copy ?f ?m??rt?nt papers ?nd ?n inventory ?f possessions (film, photos, videos, etc.) ?n a waterproof container ?r safe deposit box ?n a secure ?l???, ?r ?ff premises.

6.????If ??? live ?n a high-risk flood region, consider purchasing flood insurance, wh??h ?? typically n?t included ?n homeowners insurance.

Once a flood occurs, th? following ?r? ?m??rt?nt safety ?nd sanitation tips:

1.????M??? furniture ?nd valuables away fr?m th? water.

2.????If flooding b?g?n?, g? t? higher ground ?r th? highest level ?f ???r home, ?nd avoid areas subject t? flooding.

3.????D? n?t attempt t? walk ??r??? flowing streams, ?r t? drive through flooded roadways.

4.????If water rises ?n ???r home before ??? evacuate, g? t? th? top floor, attic, ?r roof.

5.????Turn ?ff ?ll utilities ?t th? main power switch ?nd close th? main gas valve ?f advised t? d? ??.

6.????If ????ve come ?n contact w?th floodwaters, wash ???r hands w?th soap ?nd disinfected water.

Sources: floodsmart.gov, HUB International Limited

?Claims related t? water ?r? ?m?ng th? leading property d?m?g? losses ?n personal insurance,? ???d James Kane, president, HUB International Personal Insurance. ?Spring ?? th? perfect time t? assess ???r risk ?nd review ???r insurance program f?r flood ?nd ?th?r kinds ?f seasonal d?m?g?.?

Y?? ??n find additional information concerning flood insurance ?t http://www.floodsmart.gov/floodsmart/pages/index.jsp ?nd ?n th? Federal Emergency Management Association?s (FEMA) website ?t http://www.fema.gov/business/nfip.

?According t? a 2008 survey b? th? Insurance Information Institute, ?nl? 17 percent ?f Americans ??r?h???d flood insurance,? Kane continued. ?If ??? live ?n a high-risk area, ?t?s a g??d ?d?? t? explore safeguards ?nd additional insurance. On average ?t ??n take up t? 30 days f?r ?n? flood policy t? become effective, ?? considering th?? additional policy ?h??ld b? something ???r? homeowner d??? prior t? th? summer months.?

Th? Federal government offers federally backed flood insurance under th? National Flood Insurance Program (NFIP) m?k?ng flood insurance ?n affordable policy, w?th flexible building ?nd contents coverage options, ?n areas ?f varying risk. Claims f?r flood insurance m?? b? m?d? ?n? time th?r? ?? flood d?m?g? t? a covered structure, structural component, utilities, ?r covered personal property.

It ?? ?m??rt?nt t? work w?th th? r?ght insurance professional t? assess specific needs ?nd th? r?ght policy ?h???? based ?n location, limits ?nd several ?th?r factors. Onl? work w?th ?n agent ?r broker wh? h?? a strong pulse ?n th? market ?nd ?? knowledgeable ?n th? various coverage options available.

Headquartered ?n Chicago, IL, HUB International Limited ?? a leading North American insurance brokerage th?t provides a broad array ?f property ?nd casualty, reinsurance, life ?nd health, employee benefits, investment ?nd risk management products ?nd services through offices located ?n th? United States ?nd Canada.

Th?? information ?? provided f?r general information purposes ?nl?. It d??? n?t constitute professional advice ?nd d??? n?t ?r??t? a broker-client relationship. Please consult a HUB advisor ?b??t ???r specific needs before taking ?n? action.

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