Whether you are located directly beside a river, lake, or ocean, or even completely landlocked, flooding poses a major threat to both people and property.
Flooding can result from a wide variety of causes, including prolonged periods of rainfall, rapid snowmelt, coastal storm surge, water main breaks, dam failures, overwhelmed storm sewers, and more. The damage caused by floods is immediate. Over the long term, floods can also cause widespread business interruption and food and product shortages.
Understanding what is and is not included in your coverage and implementing a comprehensive insurance policy and risk management plan are critical to minimizing your losses and protecting what matters most.
- Preparing for a flood
- Before a flood
- After a flood
Flooding can come from any source of prolonged exposure to water. Overland flooding, heavy rain events, snowmelt, storm surge, hurricanes, tsunamis, storm drain backup, and sewer backup are just some of the events that can lead to flooding.
You should prepare beforehand through a combination of assessing flood risk and potential damage, preparing a claims process plan, ensuring coverage, establishing both safety and response procedures, and modifying buildings to be more resilient if necessary.
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