About 44 percent of the US is at risk of spring flooding this year, according to meteorologists with the National Oceanic and Atmospheric Administration, who warn that flooding is at risk for much of the United States and flooding is forecast from moderate to significant along the Mississippi River from Minneapolis, Minnesota, to St. Louis, Missouri.
It’s important to prepare for these types of natural events as damage associated with wind and other severe weather conditions is usually covered under a standard homeowners, renters or business policy.
However, flood damage is not usually covered by a standard policy so flood insurance must be purchased as a separate policy through the National Flood Insurance Program or the private market, and in these cases it is highly likely you have to wait 30 days before flood coverage takes effect.
Experts recommend doing a flood risk assessment, as it is important to be better prepared for the spring flood season. Property owners can assess their flood risk through the Federal Emergency Management Agency (FEMA) Flood Map Service Center, by calling their insurance company or agent, or by contacting their local government. city or county.
It has been commented that just one inch of water can cause $25,000 worth of damage to your home, which is why the call to know the risk of flooding.
The American Property Casualty Insurance Association (APCIA) has said it is necessary to prepare for the spring flood season and severe weather, so it recommends first and foremost, an annual review of your insurance policy to ensure that your home and your belongings are fully protected.
Also, it is important to you that in the course of a year, you may have made improvements, completed renovations, or purchased new items that could affect the amount of coverage you need, so you should call your insurer or insurance agent to review your policy. in detail.
You’ll also want to take an inventory of the things you have in your home so you can quickly and easily account for all your belongings and report a loss to your insurer if a disaster strikes. Many insurers have free tools available to help their policyholders create a home inventory or you can take photos and videos with your smartphone. Make sure you keep your inventory somewhere safe and accessible, like the cloud.
It is suggested that you speak with your insurer or insurance agent to understand your insurance policy and how your coverage works. Ask if your policy pays for replacement cost or actual cash value. For your note, actual cash value takes depreciation into account, and replacement cost is the amount needed to rebuild the home with construction materials of the same type and quality.
For now, given the recent atmospheric rains, the American Red Cross has moved aid to the state of California, to support people affected by the constant flow of atmospheric rivers that have covered the state with snow and rain since the end of December.
Californians are facing another bout of severe weather with more snow, rain and flooding. According to the latest reports, up to 70,000 people were forced to evacuate during this week’s severe weather and more than 15,000 customers will remain without power, in fact, entire communities are dealing with flooding.
The Red Cross said that since December nearly 1,300 trained disaster workers have been deployed to help people affected by this severe weather. The Red Cross and its partners have provided more than 13,800 overnight stays for more than 2,500 residents in 138 emergency shelters.
With the help of partners, more than 84,600 meals and snacks have been provided along with more than 16,700 relief items, including comfort kits and other supplies.
The forecasts indicate that the bad weather will continue, so we ask you to take care of yourself and your loved ones.
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