National Preparedness Month and the Importance of Flood Insurance

September is National Preparedness Month in the United States, an initiative encouraging individuals, families, renters, business owners and communities to be proactive in their approach to disaster preparedness. Organized by the Federal Emergency Management Agency (FEMA), National Preparedness Month is a great time for us all to think and take action to protect our homes and loved ones from disasters.  

This National Preparedness Month, make a commitment to talk to your clients about how they can be prepared for a flood. Ninety-eight percent of all U.S. counties have experienced a flood event–yet only 4% of homeowners have flood insurance. This means there’s a significant overlap between people who need flood insurance and the flood risks their homes face. This September, lead the conversation about flood risk and help your clients make an informed decision about flood insurance. 

Consider using a specific theme each week of this month, to help focus your clients on ways they can prepare for disasters! 

Week 1: Learn about historic flood risk. 
Historical flooding is one of several indicators of flood risk. While it isn’t the only factor, understanding the history of flooding can help your clients take action to prepare their homes before the next big storm. 

Week 2: Understand what a flood insurance policy covers.
Many people have the misconception that their homeowners policy covers flood damage. Talk to your clients to help them to understand the key differences and coverage unique to a flood insurance policy, to ensure they have the coverage they need.  

Week 3: Talk about flood loss avoidance. 
With or without flood insurance, your client can take actions in and around the house to prepare for a flood. Storing important documents, elevating utilities above potential water levels, and tossing debris from gutters are all ways to ensure their homes are ready before rain starts to fall.

Week 4: Teach clients how to file a claim.
When a storm hits, the last thing your clients will be thinking of is bureaucracy. That’s why any preparedness plan should include preparing your clients with the know-how they need, to make recovery quick and easy.  

Being prepared for flooding shouldn’t be limited to one month; every American should know their risks and prepare for what may come. Take part in this National Preparedness Month as an investment in your communities. Together with your clients, you can create a safer, more secure tomorrow for all.