Secure your home with flood insurance

What would you do if your home was flooded? Are you prepared if it happens to you?

National Flood Safety Awareness Week is March 16-22 and the 11Alive Help Desk wants to inform you about how flood insurance is great to consider and how you can access it.

It's stressful to discover your home is emerged in water and it has damaged your most prized possessions. Being proactive is better than dealing with the damage later.

Often homeowners overlook obtaining flood insurance because they think the chances of a flood is rare or if it does a few inches of water isn't a big deal. Floods happen more often than people think and you'd be surprise by all the serious damage that can be caused by just a few inches. Floodwater destroys floors, walls, appliances and all of your valuables.

Insurance Commissioner Ralph T. Hudgens reminds Georgians how beneficial it is to add a flood policy to homeowners' coverage.

"Purchasing flood insurance is an important consideration for Georgia consumers, even if you think a flood is unlikely in your area.", said Hudgens. "Between 20 and 25 percent of flood claims occur in areas considered medium or low-risk for floods."

Repair and restoration can easily cost thousands of dollars. Having a flood insurance policy is just as important as having homeowners insurance. Many people think that homeowners insurance covers flood damage but it doesn't.

Flood insurance can cover:

  • debris cleanup
  • floors, ceiling and walls damage
  • appliances such as refrigerators, air conditioners, heat pumps and washers/dryers

A flood insurance policy takes up to 30 days to go into effect so plan ahead. If you want to keep your home safe and secure against flood damage, speak to a flood expert on the best policy for you.

Resource Guide:

Federal Emergency Management Agency, FEMA

The most common disaster in the U.S. that impacts the most people is flooding. Get flood safety 101 tips.

The National Flood Insurance Program (NFIP)

NFIP is a program that is administered by the Federal Emergency Management Agency and works closely with insurance companies to offer flood insurance to property owners and renters.

American Red Cross

Tips after a flood

Before entering your home, look outside for loose power lines, damaged gas lines, foundation cracks or other damage.

· Parts of your home may be collapsed or damaged. Approach entrances carefully. See if porch roofs and overhangs have all their supports.

· Watch out for wild animals, especially poisonous snakes that may have come into your home with the floodwater.

· If you smell natural or propane gas or hear a hissing noise, leave immediately and call the fire department.

· If power lines are down outside your home, do not step in puddles or standing water.

· Keep children and pets away from hazardous sites and floodwater.

· Materials such as cleaning products, paint, batteries, contaminated fuel and damaged fuel containers are hazardous. Check with local authorities for assistance with disposal to avoid risk.

· During cleanup, wear protective clothing, including rubber gloves and rubber boots.

Georgia Flood Insurance


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