Flooding can occur anywhere, at any time

Water, water everywhere: When flooding occurs, a homeowner can count on a messy aftermath. Localized flooding can occur anywhere at any time. It could arise from a broken water main, an earthquake, heavy downpours, or debris that jams a sewer line. Floods are the number-one disaster Americans are likely to face in their lifetime.

Here are three ways to protect you, your loved ones and your property:

  1. Schedule a visit with your insurance agent. Find out which types of water damage are covered under your homeowners policy and which types are not. Your agent can help you decide if you need to purchase a stand-alone flood insurance policy and can help you purchase the right amount of coverage.
  2. Prepare your home and property. Are your valuables stored so that they aren’t destroyed in a flood? Does your family know what to do in the event of a flood? Here’s what you need to know to be prepared.
  3. Know what to do in the event of a flood. Here’s a checklist designed to help protect you and your home during a flood.