Here’s how you can help prepare for a flood:
- You must have a flood policy to have coverage for damage caused by a flood.
- Your insurer can provide experienced guidance and notifications on preparing for a flood.
- Some insurers have emergency response teams to help communities recover from a disaster.
Question I’ve always had flood insurance to provide coverage for my home and belongings if there’s a flood. But is there anything else I can do to help prepare — and can you help?
We turned this question over to Denise Wardwell, a Farmers Insurance® agent in Houston, Texas, who has helped many families as they prepare for floods and other disasters.
Answer We’ve experienced lots of flooding in the last few years here in southeast Texas. Homes and businesses that had never flooded before were inundated. You never really know when or where it’s going to happen. Some people think they’re not in a flood area, but flooding can happen anywhere — it’s only the degree of risk that varies.
Depending on the coverages you select, flood insurance can provide coverage for the cost to repair your home and replace its contents if there’s a flood. Just remember that your regular home insurance generally doesn’t cover flooding — you must have separate flood policy to have coverage.
I also try to help customers prepare from a standpoint of safety. After all, the physical safety of you and your loved ones comes first. Farmers® provides information at Farmers.com on what to do before, during and after weather emergencies. This information is always available and updated regularly. If disaster does strike, the Farmers® Catastrophe Response Team could also be a resource to help you. Farmers will be on the ground to help you process your claim.
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