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Illinois Insurance Blog

5 Ways to Prepare for a Flood

Floods are one of the most destructive natural disasters, capable of causing billions of dollars in damage and leaving communities reeling for months or even years afterward. While it’s impossible to completely protect your home from flood damage, there are some steps you can take to minimize the risk. STARS Insurance in Deerfield, IL provides you the following guide.

Here are five ways to prepare for a flood

1. Get Flood Insurance

If you live in a flood-prone area, flood insurance is a must. Even if you’re not required to have it by your mortgage lender, it’s still a good idea to get coverage. Flood insurance will help cover the cost of repairs to your home and possessions after a flood. Remember, standard homeowners insurance policies don’t cover flood damage, so you’ll need a separate policy.

2. Clear Gutters and Drains

One way to reduce the risk of flooding is to make sure your gutters and drains are clear. Clogged gutters can cause rainwater to back up and overflow, flooding your home. Likewise, clogged drains can prevent water from draining properly, causing it to pool around your home. Regularly clear leaves, twigs, and other debris from your gutters and drains to help reduce the risk of flooding.

3. Have a Flood Plan

You should have a plan in place in case of a flood. Know how to safely turn off your home’s electricity and gas, and have a list of emergency phone numbers handy. Have a bag packed with essential items like food, water, and medicine in case you need to evacuate. And be sure everyone in your family knows where to go in the event of a flood.

4. Store Valuables and Important Documents

If you live in a flood-prone area, it’s a good idea to store your most valuable possessions and important documents in a safe, dry place. This could be a waterproof storage container, a safety deposit box, or even a high spot in your home. That way, if your home does flood, you won’t lose everything.

5. Stay Informed

Monitoring conditions in your area can help you be prepared for a flood. Keep an eye on the forecast and watch for flood warnings. If a flood is expected, take steps to protect yourself and your possessions.

Floods can be devastating, but there are some steps you can take to minimize the risk. Unfortunately, even if you take all the necessary precautions, you can’t always prevent flood damage. That’s why it’s so important to have flood insurance. STARS Insurance in Deerfield, IL can help you find the right policy to protect your home. Give us a call today to learn more.