Flood Preparedness

As climate-related weather events increase in severity and frequency, we are seeing flooding in places that may never have experienced such events. No matter where you are, there is a chance that you might have a flood event that could impact your property.

Unprecedented snowfall/snowmelt, intensifying hurricane seasons and extreme rainfall are contributing to flooding across the United States and Canada. Even if your home is above sea level, it is important to remember that where it rains, it can flood.

Minimize your potential losses from flooding by taking the following steps:

Flood Preparedness For Private Clients

Before a Flood

• Elevate and anchor utilities.
• Waterproof your basement if applicable.
• Ensure proper drainage. Clear gutters and drains to prevent water from accumulating around your property.
• Check your sump pump and back up generator. If you have a sump pump and/or back up generator, ensure they are in good working order.
• Secure outdoor items. Bring in or secure any outdoor items (e.g., patio furniture) that could be damaged or cause damage in high winds or heavy rain.
• Document your property. Take photos of your property and valuable items for documentation purposes in case you need to file a claim.
• Sign up for emergency alerts and monitor the local news.
• Have a communication plan ready in the event of a power outage.

During a Flood

• Take care of your physical safety first.
• When a flood is imminent or occurring, your priority should be the physical safety of you, your loved ones and your pets. Relocate to a safe location before a rise in flood waters.
• Stay alert by monitoring the local news.
• Avoid contact with floodwater — it may be contaminated with sewage or contain dangerous insects or animals.

After a Flood

Return home only when safe to do so.

• Listen to media reports to learn whether the community’s water supply is safe to drink.
• Avoid floodwaters — water may be contaminated by oil/gasoline, raw sewage, or animals or insects.
• Water may also be electrically charged from underground or downed power lines. Be aware of areas where floodwaters have receded. Roads may have weakened and could collapse under the weight of a car.
• Inspect your home’s structure, utilities and systems.
• Take pictures of home damage, including the building and its contents for insurance purposes.
• Make sure you have flashlights, cell phones and charging options, portable radios and extra batteries, and a first aid kit (including necessary medication, etc.).

Additional Resources for Protecting Your Home

• Protecting Building Utilities from Flood Damage. Information on protecting critical utilities, like water heaters and HVAC systems, from flood damage.
• Reducing Flood Risk to Residential Buildings That Cannot Be Elevated. Mitigation options for homes that cannot be elevated.

Notify NFP right away if you believe you will have a claim to file. Our experts can walk you through coverage and give you the information and support you need to protect your investment. Understanding your needs and providing superior service is our priority.