You Can Make A Difference

In a moment, flooding can undo the financial security that took your clients a lifetime to build. Flooding and cyclone events are America’s costliest and most common natural disaster, and it feels like these storms are only happening more often. There is hope when the storm clouds gather, because you as an agent can make a world of difference in someone’s life. 

Talk to Your Clients About Their Flood Risk

What people don’t know can hurt them–especially if what they don’t know is their flood risk. By keeping up to date on Flood Map Updates, you can protect your clients and communities by staying informed. 

Most homeowners insurance does not cover flood damage. This common misconception can be the key differentiator that determines whether someone is able to bounce back after a flood. When your client sign on a new home, make it your prerogative to lay out the facts about flooding–anywhere it rains, it can flood.

Inform Your Clients of Their Options

Agents play the key role in helping people understand what is and isn’t covered with a standard flood insurance policy. By discussing their options, you give your clients the agency to make decisions and take action. Talk about flood loss avoidance in your community, and what steps people can take to mitigate flood risk in their home. This includes elevating the structure or installing proper flood openings to help reduce their flood insurance costs. 

A Standard Flood Insurance Policy (SFIP) offers up to $1000 towards the purchase of supplies and labor to protect an insured property from the imminent threat of flood. This can be applied to water pumps, sandbags, even plastic sheeting and lumber. 

Help Your Clients get SET for Flooding

People often feel worried or frustrated after a flood, and you can help your clients find peace of mind by getting them SET.

• Storing important documents, such as passports or birth certificates in a flood-safe place;
• Elevate items that you want to protect, such as water heaters or electrical systems so they’re less likely to be damaged in a flood; and
• Toss out debris from gutters and drains so that water doesn’t collect where it’s not wanted. 

An agent’s work begins with taking care of people. By making flood insurance your business, you can help protect your clients and community, and make a difference in their lives.