Are you prepared for a disaster? Do you know what would happen to your home? Is your home in College Station, Bryan or anywhere near the Brazos Valley protected?
You never know when a disaster will strike. Who would have ever thought the people of Iowa and surrounding states would have to deal floods. Tornadoes strike and towns are leveled – no one thinks it will happen to them.
Get ready NOW to help make sure you are ready if a crisis strikes. Man-made and natural disasters like hurricanes, flash floods, and terrorist attacks can cause great struggles. There are things you can do to prepare yourself and your home.
Read your policy! Don’t wait until a disaster is upon you. When that happens, it is too late. Ask your agent about anything you don’t understand. Do you have a policy that covers replacement cost? Do you have to have receipts? Will a Visual Tour and photos work as proof? What is your coverage amount? Is the policy amount enough to rebuild your entire home and replace all your belongings? Yes insurance is expensive but if you don’t have enough….
Have you lived in your home for a few years? Have you checked to see if the Core of Engineers has changed the flood maps? Do you need flood insurance? Do you need flood insurance even if you aren’t in the 100 year flood plain? Did you know that about 1/4 of all flood loss claims are for properties in low to moderate risk areas? Remember you can’t get flood insurance when the creek is rising or the hurricane is coming. It is too late then. It takes 30 days for a policy to take effect. Want more information? Checkout FloodSmart.gov.
Where is your homeowners insurance policy? What is your number? Do you have your insurance agent’s phone number handy? Keep a copy of these documents off site with family, friends or an electronic copy on CD but have a copy available to take with you in an emergency.
Clear brush and limbs from near your home and out buildings to reduce your chance of fire damage. Check drainage areas to prevent water from entering your home. Check all smoke detectors and make sure the batteries are fresh and they work well. This may be your best defense against property damage or loss of life from a fire.
Without question your #1 concern is the safety of yourself and your family!
For more information about how to prepare for a disaster go to Ready.gov.