Educate Yourself - flood season

With spring rapidly approaching we are entering possible flood season. The Tama County Emergency Management Agency would like to pass on the following information for Tama County citizens:

Educate Yourself

After getting flood insurance, there are several things you can do to minimize losses in your home and ensure your family's safety.  (Flood insurance is available through the National Flood Insurance Program at www.floodsmart.gov)
1. Safeguard your possessions.
Create a personal flood file containing information about all your possessions and keep it in a secure place, such as a safe deposit box or waterproof container. This file should have:

• A copy of your insurance policies with your agents contact information.
• Conduct a household inventory: For insurance purposes, be sure to keep a written and visual (i.e., videotaped or photographed) record of all major household items and valuables, even those stored in basements, attics or garages. Create files that include serial numbers and store receipts for major appliances and electronics. Have jewelry and artwork appraised. These documents are critically important when filing insurance claims. For more information visit http://www.knowyourstuff.org/.
• Copies of all other critical documents, including finance records or receipts of major purchases.

2. Prepare your house.

• First make sure your sump pump is working and then install a battery-operated backup, in case of a power failure. Installing a water alarm will also let you know if water is accumulating in your basement.
• Clear debris from gutters and downspouts.
• Anchor any fuel tanks.
• Raise your electrical components (switches, sockets, circuit breakers, and wiring) at least 12 inches above your home's projected flood elevation.
• Place the furnace, water heater, washer, and dryer on cement blocks at least 12 inches above the projected flood elevation.
• Move furniture, valuables, and important documents to a safe place.

3. Develop a family emergency plan.

• Create a safety kit with drinking water, canned food, first aid, blankets, a radio, and a flashlight.
• Post emergency telephone numbers by the phone and teach your children how to dial 911.
• Plan and practice a flood evacuation route with your family. Know safe routes from home, work, and school that are on higher ground.
• Ask an out-of-state relative or friend to be your emergency family contact.
• Have a plan to protect your pets.

Protect Yourself and Your Home

Here's what you can do to stay safe during a flood:

• If flooding occurs, go to higher ground and avoid areas subject to flooding.
• Do not attempt to walk across flowing streams or drive through flooded roadways.
• If water rises in your home before you evacuate, go to the top floor, attic, or roof.
• Listen to a battery-operated radio for the latest storm information.
• Turn off all utilities at the main power switch and close the main gas valve if advised to do so.
• If you've come in contact with floodwaters, wash your hands with soap and disinfected water.

The Road to Recovery

As soon as floodwater levels have dropped, it's time to start the recovery process. Here's what you can do to begin restoring your home.

• If your home has suffered damage, call your insurance agent to file a claim.
• Check for structural damage before re-entering your home to avoid being trapped in a building collapse.
• Take photos of any floodwater in your home and save any damaged personal property.
• Make a list of damaged or lost items and include their purchase date and value with receipts, and place with the inventory you took prior to the flood. Some damaged items may require disposal, so keep photographs of these items.
• Keep power off until an electrician has inspected your system for safety.
• Boil water for drinking and food preparation until authorities tell you that your water supply is safe.
• Prevent mold by removing wet contents immediately.
• Wear gloves and boots to clean and disinfect. Wet items should be cleaned with a pine-oil cleanser and bleach, completely dried, and monitored for several days for any fungal growth and odors.

Dealing with the Aftermath

If you have experienced a flood, you can file your flood insurance claim by following these three steps:
STEP ONE:
After experiencing a flood, contact your agent or insurance company to file a claim. An adjuster should contact you within a few days of filing your claim. If you do not hear from an adjuster, you can contact your insurance agent or company again. Make sure you have the following information handy:

• The name of your insurance company
• Your policy number
• A telephone and/or email address where you can be reached at all times

STEP TWO:
Separate damaged from undamaged property. Your adjuster will need evidence of the damage to your home and possessions to prepare your repair estimate.

• Take photographs of all of the damaged property, including discarded objects, structural damage, and standing floodwater levels.
• Make a list of damaged or lost items and include their date of purchase, value, and receipts, if possible.
• Officials may require disposal of damaged items so, if possible, place flooded items outside of the home.

STEP THREE:
Your adjuster will provide you a Proof of Loss form for your official claim for damages. You'll need to file this claim with your insurance company within 60 days of the flood. This document substantiates the insurance claim and is required before the National Flood Insurance Program (NFIP) or insurance company can make payment.
You'll receive your claim payment after you and the insurer agree on the amount of damages and the insurer has your complete, accurate, and signed Proof of Loss form. If major catastrophic flooding occurs, it may take longer to process claims and make payments because of the sheer number of claims submitted.

For more information on flooding and flood insurance contact either the National Flood Insurance Program (NFIP) (at http://www.floodsmart.gov/) or the Tama County Emergency Management Agency (at 641-484-6261).