![]() ![]() Understand what is and is not covered, what limits there may be. Review your insurance policies with your insurance agent.Keep them with you or stored at a safe location. Gather important insurance documents such as insurance cards and policies.Take photos or video of each room and the exterior of your home and business.Keep a written inventory of your possessions.And while the process of recovering may seem daunting, flood insurance makes it possible. With flood insurance, you’ll have one less thing to worry about when a flood damages your home or belongings. ![]() Flood insurance is a surefire way to protect your home, even when it doesn’t face the obvious risks for flooding. There are a variety of hidden risks that can put your house in danger of flooding, like new housing developments or changes in weather patterns.While an inch of water in your home might not seem like a lot, it’s enough to cause over $25,000 worth of damage.Most homeowners and renters’ insurance policies do not cover flood damage, and flood insurance policies don’t automatically renew.Check and/or install hurricane clips to secure roof trusses to side walls.Consider replacing with shingles that are rated for hurricane-force winds. Inspect roof for loose or damaged shingles.Secure any loose items in your yard, on your property ahead of the storm.Trim trees, shrubs, and any dead limbs, especially close to home.It offers very little protection and may be dangerous. If possible, install tested, manufactured hurricane shutters or hurricane-rated windows.Use a security dead bolt at least 1 inch long. Doors may be shuttered but one entry must be left easily accessible.Reinforce garage doors and tracks or replace with a hurricane rated door.Communicate your plans with friends or family outside of your home area.Emergency shelter location: To find a shelter near you, download the FEMA app at /mobile-app.Evacuation routes: Check with the Texas Department of Transportation for evacuation routes.A “go bag” should be easy to carry and kept in a place where you can grab it quickly. Pack a “go bag” including items you need to take with you if you evacuate.Know where you will meet up if you are separated and where you will stay.It is important to prepare a plan regardless of your risk. However, many flood areas outside high risk area. You can find out the flood zone you are in by entering your address at the FEMA flood portal. In areas with repetitive flooding, consider elevating your home.Develop a Family Evacuation Plan.Elevate the heating system (furnace), water heater, and electric panel if susceptible to flooding.Stockpile emergency protective materials such as plywood, plastic sheeting, and sandbags.Install “check valves” in sewer lines to prevent floodwater from backing up into your drains.Install a water alarm and sump pumps with battery backup.Keep gutters and drains free of debris.Shut off the main circuit breaker to prevent appliances from short circuiting and eliminate the threat of electrocution.Flood Proof Your Home – Take Steps to Minimize Flood Damage If your home was rebuilt through the Texas General Land Office’s Homeowner Assistance Program, and is located in a floodplain, flood insurance must be maintained in perpetuity to be eligible for future government assistance.Ĥ.Para seguro contra inundaciones haga oprima aquí. The National Flood Insurance Program (NFIP) is available from an insurance agent or the NFIP.Most homeowner insurance policies will not cover flood loss.Download the Disaster Evacuation Checklist for more information.Gather food, water, medical supplies, and documentation for your pets.Remember to pack anything specific to your family’s needs, such as infant formula. Food and supplies: Have at least a three-day supply of non-perishable food and water for your family.Tools and safety items: Small items like matches, flashlights, a multi-purpose tool, and a whistle can make a huge difference for your family while weathering the storm.Medical supplies: Be equipped to tend to any current or unexpected medical conditions your family may have.Plan for your entire household including children, elderly, those with special needs, and pets.In case of an evacuation, you should be able to pack all your valuables within 15 minutes. Take a video “tour” of your home to document all belongings and the home’s current condition.Backup all documents in a waterproof bag and store electronic copies.Collect and safeguard critical financial, medical, educational, and legal documents and records.Protect Your Personal Documents and Special Items ![]()
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