Flood Insurance is not expensive, especially compared with the monthly payments for disaster loans, and it’s easy to get. If you would like pricing or more information about Flood Insurance, please call us at (937)223-2232. (Premium prices are determined by the location of your home or property.)

FLOOD TIPS

When you contact us about purchasing flood insurance, be sure to ask us the following questions.

• Do I have flood insurance?
• How much flood insurance should I purchase?
• How much contents coverage should I buy?
• Should I consider a three-year policy to reduce my premiums?
• Do I qualify for a preferred risk policy?
• Can I finance my premiums?

Before a Flood

• Make a written, photographic and/or videotaped inventory of household possessions and property, and store it in a safe place (e.g. a relative’s home or safe deposit box) with insurance policies, documents, and other valuables.
• Take a first aid class from your local American Red Cross chapter.
• Assemble a disaster supplies kit that includes a first aid kit, canned food, non-electric can opener, bottled water (emergency managers recommend 3 gallons per person), rubber boots, rubber gloves, battery-powered radio, flashlight, and extra batteries.
• Identify evacuation locations.

During a Flood

• When a warning is issued, listen to local radio and TV stations for information.
• When a watch is issued, move furniture and valuables to higher floors of your home.
• Abandon your car if stalled in rapidly rising waters and climb to higher ground. Do not drive into any large puddles or into water that seems to be moving quickly.

After a Flood

• Call your insurance agent as soon as possible to file a claim.
• Make temporary repairs to prevent further damage. Keep all receipts.
• Delay permanent repairs until your insurer approves reimbursement.
• Get any necessary construction permits from your community.
• Prepare an inventory of all damaged or destroyed personal property. Take photos of damaged areas.
• Save remnants of damaged or destroyed property for your insurance company adjuster.
• Meet with your adjuster before signing anything with contractors, lawyers, or public adjusters.
• Let your car dry out before trying to start it.