LINCOLN, R.I. – The East Coast is again getting hammered with torrential rains, with flood watches and warning being issued in many regions. So Amica Insurance is offering some tips for protecting yourself, your family and your property in the event of flooding.
“Spring storms remind us that all Americans, not just those in coastal areas, need to protect themselves against flooding,” said Robert A. DiMuccio, chairman, president and CEO of Amica Insurance.
That is why the Property Casualty Insurers Association of America (PCI) – which includes Amica as a member company – warns there are many ways floods can impact individuals, homes and entire communities.
“It’s always best to be prepared long before the waters rise,” DiMuccio noted. “But if a flood does occur, there are steps you can take to protect your family while also helping to minimize the damage and assist in the recovery process afterward.”
Amica and PCI offer the following tips:
- Listen to local authorities for warnings and other information.
- Contact your insurance agent or company as soon as it is safe, should you sustain damage to your home, automobile or business.
- Do not wade through water or use water near live electrical outlets.
- Shovel or scrape mud off floors, furniture and walls before the mud dries.
- Major appliances, such as refrigerators and stoves, can be washed and dried completely. In most cases, they will not be damaged unless they were operating at the time the water covered them.
- Diluted chlorine bleach can be used to clean household items, appliances, walls and floors and will help control odors.
- Wood furniture should be dried outdoors, but not in direct sunlight. Remove drawers and other moving parts before they dry.
- Food utensils and equipment should be washed thoroughly and sterilized before using. Any food that is open and exposed to flood waters should be discarded.
- Use caution in hiring a contractor or other workers to help repair and clean up flood damage. To avoid scams and shoddy repair work, homeowners can save themselves a lot of time, money and frustration by taking the time to check the licensing and credentials of the businesses and individuals that are hired to do repairs.
Damage to personal and commercial property caused by a flood is not covered under standard personal and commercial property policies.
Flood insurance must be bought as a separate policy, and is available to consumers under the National Flood Insurance Program, which is the primary source for flood insurance in the United States.
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