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What to do if there's a flood


  • Get flood insurance.  Your homeowners insurance policy does not cover flood damage.
  • Collect emergency building materials if you live in a frequently flooded area: plywood, plastic sheeting, lumber, nails, shovels and sandbags.
  • Prepare a survival kit.
  • Plan and practice an evacuation route.  Establish a meeting place should your family get separated.
  • Review how to shut off utilities in an emergency with all family members.
  • Move property to a higher place like an attic or second story.
  • Have an inventory listing of your belongings if time permits or take pictures of each room.


  • Listen to a battery operated radio or television for the latest storm information.  If advised to evacuate, do so immediately.
  • Move to high ground, avoid rising waters and do not walk or drive through any floodwaters.
  • Stay away from downed power lines and electrical wires.


  • Listen to the radio and do not return home until authorities indicated it is safe to do so.
  • Be watchful of snakes that may have found their way into your home.
  • Throw away all food that has come into contact with floodwaters.  (take a picture and make list of it for your claim, if you can).
  • Call a water restoration company who can help you extract surface water.
  • Report your loss to your agent so we can help you.
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