Floods are one of the most destructive disasters. They can be caused by heavy rain, which is very common in Washington. Unfortunately, typical homeowners insurance policies do not cover damage to your home and belongings in the event of a flood. Investing in a separate flood insurance policy can help protect your home and assets in the unfortunate case of a flood.
Flood insurance is only available from the National Flood Insurance Program, and authorized insurance providers. While flood insurance is not required by law, many home lenders will require you to purchase flood insurance is you are buying a home in a flood prone area. Even if you are buying a home in an area that is in a minimal to moderate flood hazard area, flood insurance is still a good investment.
If you are affected by a flood, follow these cleanup and insurance claim tips to help guide you through the process.
- Do not try to drive on any roads that are flooded.
- Check for structural damage before trying to enter any building. Buildings affected by floods can easily collapse without warning. Also make sure to watch out for gas leaks or energized wires in flooded areas.
- Call your insurance agent if you have any damage from a flood.
- Take pictures or videos of your home and belongings after a flood, and make a list of any damaged or lost items.
- Check to see if you qualify for certain federal emergency grants of loans, even if you do not have flood insurance.
- Always talk to your insurer before making any permanent repairs or disposing of any damaged property.
- Save all of your receipts from any mitigation efforts, such as pumps or sandbags, since you may be able to be reimbursed.
- Save all receipts for temporary repairs and housing.
- Make sure your insurance agent has a way to reach you if you have to move after a flood.
Contact Humble & Davenport for all of your insurance needs in the Renton, Washington area.