Floods are tragically common in the United States. Homeowners should prepare for floods to ensure that both their properties and families are protected. A bit of preparation now could prevent serious issues in the future. Also, keep in mind that standard insurance plans often don’t cover the damage caused by floods.

Want to learn more about insurance coverage? Contact VAC Insurance Agency serving Brooklyn, NY and other communities.

Understand the Risk of Flash Floods

Floods may seem predictable, and many people think they’ll have time to react should the threat of flooding arise. Flash floods, however, can happen in moments. It’s wise to have a flood action plan in place.

Also, identify high-risk areas, such as roads cutting through valleys, or rivers that can quickly flood their banks. If flood warnings have been posted or the area is hit with heavy rain, you’ll want to avoid high-risk areas.

A family might be driving along a clear road one minute, only to get caught up in flood waters just a few moments later. Likewise, homeowners might look out the window and find only shallow puddles. Then, a few minutes later, flood water could already be pouring into the home.

Don’t Underestimate the Power of Flowing Water

With enough time, flowing water can level mountains and carve canyons. Just a few inches of fast-flowing water can knock down an adult. A mere 12 inches (if not less) of water can move vehicles. Simply respecting the power of fast-moving water could save lives. So make sure that not only do you recognize the power of rushing water but also that children and other loved ones understand the risks as well.

Make Sure You Have Flood Insurance

Standard home insurance typically doesn’t cover damage caused by floods. Instead, property owners should take out flood insurance. This way, should flooding occur, homeowners will know that their property is covered, and thus, they can focus on keeping their families safe.