Tag Archives: flash flood

Preparing for High Waters

Prepare for the flood. Most don’t begin to prepare until it is too late. Check out the seamless process and take the necessary steps to prepare for high waters beforehand.

Before the Flood

Elevate any electrical components that might cause a fire. Examples include heating units, air condition units, and wiring appliances 

Clear any debris from gutters and runoffs. Clean gutters allow them to work properly and alleviate access water from your home. Ensure the run-off area is clear, giving the water the ability to flow down instead of buildup in your yard or at the base of your home.

Fuel Tanks If you have fuel tanks or equipment with fuel inside- be sure to anchor them down. Additional fuel may be necessary for flooding situations but prepare to store tanks higher up and secure them properly.

Valuables If possible, move valuables to a safe place.

Ensure any documents that you might need are in a secure place and accessible if you need to grab them. Examples include birth certificates, insurance documents, passports, etc.) Invest in a safe deposit box if applicable.

Prepare a safety kit- include water, non-perishable foods, safety supplies (flashlights, medicines, first aid equipment, and a battery-operated radio. Kick it old school, have these items ready to go when you are.

Plan and practice a flood evacuation route. Ask someone out of state to be your “family contact” in an emergency, and make sure everyone knows the contact’s address and phone number (from fema.com).

Pet Plan Come up with a pet plan in case you have to evacuate. Many shelters will not take pets in for flood reasons. Ensure you have additional food and water for your animal and any necessary crates if you have to evacuate. Pet life jackets can be purchased here.

Check your insurance policy and make sure you have adequate coverage. 

Standard Home Policies do not offer flood insurance. Speak with your agent and ensure your policy includes flood coverage. Remember, flood insurance has a future effective date (usually 30 days out) so establish coverage beforehand. Flood insurance is offered to homeowners, business owners, and renters.

Know your risk of flood possibilities. Are you in a classified flood zone? Click here and input your address to see where you are on the flood map.

Conduct a household inventory. Take photos prior to the flood. Determine the value of your assets and store all insurance documents securely. The items will be of much value when it comes time to file a claim.

No one wants to be caught off guard with no time to prepare. As a family, come up with a plan that you’re confident with. Remember as much as you prepare and plan, the weather is always unpredictable. These steps are only here to give you peace of mind in case of an emergency.  Check out the complete guide to flood readiness here.

 

4 Quick Tips to Survive North Texas Flash Floods

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Flash flood warnings have been issued for north Texas this morning. If you’re on the road, its better be safe than sorry in these conditions. Here are 4 quick tips to help you when making decisions while you’re out on the road or at home.

  1. Be aware that flash flooding can occur. If there is any possibility of a flash flood, move immediately to higher ground. Do not wait for instructions to move.
  2. Be aware of stream, drainage channels, canyons and other areas known to flood suddenly. Flash floods can occur in these areas with or without typical warnings such as rain clouds or heavy rain.
  3. If you must prepare to evacuate, you should do the following:
    • Secure your home. If you have time, bring in outdoor furniture. Move essential items to an upper floor.
    • Turn off utilities at the main switches or valves if instructed to do so. Disconnect electrical appliances. Do not touch electrical equipment if you are wet or standing in water.
  4. If you have to leave your home, remember these evacuation tips:
    • Do not walk through moving water. Six inches of moving water can make you fall. If you have to walk in water, walk where the water is not moving. Use a stick to check the firmness of the ground in front of you.
    • Do not drive into flooded areas. If floodwaters rise around your car, abandon the car and move to higher ground if you can do so safely. You and the vehicle can be swept away quickly.
    • Do not camp or park your vehicle along streams, rivers or creeks, particularly during threatening conditions.

Remember, the worst thing you can do in these types of situations is panic. Apply these tips and stay safe. Here at the Al Boenker Insurance Agency, its our mission to protect and cover the people of Texas.

Homeowner Insurance 101

house-insurance-419058_640 (1)Homeowners insurance, also known as property insurance, acts as a safeguard from weather-related damage, in addition to unforeseen events that may occur on the property. Some homeowner insurance policies do not include coverage for natural-disasters, such as tornadoes, hurricanes, or floods. These acts of nature generally need a separate insurance policy.

 

Here at Thanks Al, we’ve compiled a list of questions we commonly get about homeowner insurance. If you have a question, and it’s not listed below, please contact one of our knowledgeable insurance representatives.

Why should I buy homeowners insurance?
Home owners: Homeowners insurance safeguards both your house and personal property.
Tenants of rental properties: This insurance protects your personal property.
All parties: Having insurance coverage protects against liability for unforeseen events/accidents that results in injury of another party or damages their property.

What does a homeowner insurance policy cover?
Homeowner insurance covers damage cause from incidents such as fire, theft, and defacement to your house, adjacent structures (i.e. garage or shed) and personal belongings. The insurance policy also covers living expenses if your house becomes temporarily unlivable. It also covers the liability in the event that you or a member of your household injures someone or causes damage to their property.

Are any items in my home not covered by my policy?
Most possessions are covered up to stated limits for covered perils, such as theft or fire. Items including money, securities, watercraft, grave markers, trailers, and guns have coverage restrictions. If you were to lose a bracelet or drop an antique, it would not be covered, unless the possession was specifically insured. Damage to property or personal possessions by pets is not covered by a homeowner policy. Your Thanks Al representative can inform you of your policy’s specific coverage limits.

Visit our website to learn more about our homeowner insurance policies.