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WHAT IS A FLOOD LOSS AVOIDANCE?

Flood loss avoidance is a protective action taken to minimize flood damage and losses to buildings and personal property before a flood occurs.
 
WHAT’S COVERED UNDER A STANDARD FLOOD INSURANCE POLICY?
National Flood Insurance Program flood policies will cover up to $1,000 in reasonable expenses incurred to protect a policyholder’s insured property, and up to $1,000 to move the policyholder’s insured property away from a flood or imminent danger of a flood. To be eligible for this benefit, the insured property must be located in a community where:
  • a general condition of flooding in the area exists; or
  • an official has issued an evacuation order or other civil order for the community requiring measures to preserve life and property from flooding.
WHAT IS ELIGIBLE?
EXPENSES TO PROTECT PROPERTY
  • Sandbags (including the sand to fill them)
  • Fill to create temporary levees.
  • Water pumps.
  • Plastic sheeting and lumber used in connection with any of these items listed above.
  • Labor – a policyholder may claim labor, including their own or a family member’s labor,
  • at the federal minimum wage. Labor charged by a professional may also be reimbursed.
EXPENSES TO MOVE PROPERTY TO SAFETY
  • Up to $1,000 for the reasonable expense to move insured property in order to protect it from flood, or the imminent danger of flood.
WHAT DO POLICYHOLDERS NEED TO KNOW?
  • Personal property that is moved must be placed in a fully enclosed building or otherwise protected from the elements.
  • Any property removed, including a moveable home (that meets the definition of a building in the flood policy), must be placed above ground level or outside of the special flood hazard area.
  • Property removed is covered by a policyholder’s flood policy for 45 consecutive days from the date the move begins.
  • A deductible does not apply to these limits.
  • The coverage does not increase the policy limits of the liability.
PAID RECEIPTS
Policyholders should keep copies of all receipts and a record of the time spent performing the work. They should be submitted to their insurance adjuster when they file a claim to be reimbursed.
 
HOW TO REPORT A FLOOD CLAIM
  • To report a claim policyholders should do the following:
  • Contact their flood insurance agent or insurance company. Have policy number available.
  • If a policyholder does not have their policy number, they can call 1-800-427-4661. They will need the following information with them when calling:
  • The name of their insurance company.
  • The date of their flood loss.
  • Their name, telephone number, and e-mail address. If they do not have access to a phone or email, provide the name and telephone number of someone who can reach them.

www.SuzanneBrownAgency.com

281-558-2210

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