Joy and I took a ride to Lake City, MN the other day. On our way, we noticed the water was high and moving fast in a couple of the little towns we drove through. Yesterday, in one of the fields near Pine Island, where the river crossed its banks slightly, the water had receded. Although we live on what might be called “high ground,” we’ve been flooded in a couple of times when the main roads we drive was covered in flood waters.

Almost anywhere it rains, it can flood. Even if you live in an area of that you think isn’t at risk, preparation is just as important as with other types of emergencies.

Before we get into how you can prepare for, react to, and cope after flooding, it’s important to note that flood damage is typically not covered by your homeowners or renters insurance. There are specialized flood insurance programs that I can discuss with you. Just contact me at 507-226-8121 or [email protected] for more information.

Preparing for a flood

The Federal Emergency Management Agency recommends a number of steps to stay safe during emergencies and limit damage from flooding. The first two tips will benefit  you in any type of emergency.

• Build an emergency kit for your family containing such items as drinking water and nonperishable food for each member of your family (two-week supply), flashlights,  a radio, extra batteries, a first-aid kit, necessary medications, personal hygiene items and copies of important documents.
• Create a communication plan so family members can reach one another.
• Elevate your furnace, water heater and electric panel in your home if live in an area with a high flood risk.
• Consider installing “check valves” to prevent floodwater from backing up into the drains of your home.
• If possible, construct barriers to stop floodwater from entering your home and seal basement walls with waterproofing compounds.

I think it’s also important to be sure you have your cell phone and charger/s with you. If you lose power, and can get to you vehicle, you can recharge the phone there. 

Reacting to a flood

If a flood is likely in your area, quick action may be necessary to protect your family and property. You should:

• Get information from the radio or television.
• Move immediately to higher ground if there is any possibility of a flash flood. Do not wait for instructions to move.
• If you need to evacuate, secure your home and move essential items to an upper floor. Turn off utilities if instructed to do so, and disconnect electrical appliances. However, do not touch electrical equipment if you are wet or standing in water.
• Do not walk through moving water — it can make you fall. Use a stick to check the firmness of the ground in front of you.
• Do not drive into flooded areas. If you are caught in your vehicle in floodwater, abandon your car and move to higher ground if you can do so safely.
• If you have evacuated your home, do not return until authorities tell you it is safe.

Coping after a flood

Flooding can cause emotional stress along with physical hazards, so be mindful of the well-being of you and your family during the aftermath.

•  Floodwater can be contaminated by oil, gasoline or sewage, so avoid contact as much as possible.
• Make sure your city’s water supply is safe to drink.
• Clean and disinfect everything that was in contact with floodwater.

The Red Cross has a free book available called “Repairing Your Flooded Home,” which contains useful information as you clean up. It’s available at www.redcross.org. Of course, don’t hesitate to contact us as well — we’re ready to help!

If you have flood insurance, contact the claims center of your provider as soon as possible. That information is with your policy.

Flooding is one of the most common hazards in the U.S. Being prepared for any emergency is crucial for the safety of you and your family. Don’t be caught off guard!

Jon

Email: [email protected]

Phone  507-226-8121

DeKok Insurance Group, Inc. Referral Program: When you tell your family and friends about your positive experience with my agency, and they call for a quote, I’ll send YOU a $20 gift card.

 

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