There are a lot of things that can damage your property—and perhaps especially if your property is in Southern California.
Over the summer, we experienced some tremendous wildfires, as well as a few earthquakes. And it’s true, those are the disasters Southern Californians may tend to focus on when it comes to prevention effort.
But this is National Preparedness Month, and there’s no better time to remind you that the number one natural disaster in the United States is neither earthquake nor fire, but flood.
And it can happen anywhere, including drought areas. And it can happen at any time.
Perhaps most importantly, damage resulting from flood is typically not covered under a standard homeowners or commercial property policy. That’s something many property owners don’t realize until it’s too late—and we don’t want you to be one of them!
Another important point: flood insurance takes 30 days to go into effect. As we look ahead to a winter when heavy El Nino rains are predicted, it’s wise to prepare in every possible way—including obtaining coverage for your property in the event that it sustains flood damage.
Flood Prevention Tips
You can’t control the rainfall, and you can’t stop a flash flood—but there are a number of steps you can take to help protect your property from flood damage.
- Walk your property. Do you see ungraded or lower-elevation areas, or flood risks like roof damage or clogged rain gutters? Invest the time now to mitigate (or eradicate) those risks.
- Have a pump on stand-by in case water infiltrates areas of your home or commercial property.
- Prepare the sandbags. Fill them halfway with sand (or soil) and place them close to where you’ll need them once the rain starts. The barrier should be just three sandbags high. There are great tips on successful sandbagging for flood control here.
- Modify your storage patterns. Store things up at a higher level if you’re able to, to prevent them from getting soaked with flood water.
- If you have a generator, test it to ensure that it is working properly. Make sure to perform any tune-ups or repairs. Don’t have a generator? Consider whether it would be beneficial to your home or business if the power goes out.
- Be sure your family knows how to turn off the utilities at home, and you have staff who knows how to turn off the utilities at your workplace, in case of emergency.
- Make an emergency kit for your home and your workplace. Get started here.
For more than 35 years, Insurance Partners, Inc., has been providing quality protection for individuals, families, and businesses, helping people make sense of their insurance needs so they can look forward to a brighter, more secure future. If you have questions about your insurance coverage, contact us.