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The Basics about Floods and Flood Insurance

Recent years have seen a growth in the number of residential areas near coastal lines, and although this isn’t a problem, the rising number of floods is. The rising temperature is leading to more rainfall which can lead to floods and with a large population living in flood-prone areas this can be detrimental to society.

This makes it important that families living in these communities know about how floods have the potential to cause massive damage. Moreover, just as it’s crucial that every person know their rights, individuals and families living in these areas should know how and if they’re entitled to flood insurance.

Although the number of hurricanes and resulting floods are on the rise, the Federal Disaster Assistance is only liable to pay compensation to people living in areas that are susceptible to floods and have gotten respective insurance. Safety rules about moving in a flood affected area state that people who walk around in over 6 inches of flowing flood water should remain cautious about being knocked over.

Falling face first into the water can lead to unconsciousness and drown as a result. Families exiting a flood-affected area should be wary of cars because it takes only 12 to 14 inches of flood water while flowing to make a car float off the ground completely.

It’s important they refrain from driving their cars since 6 inches of water above ground level is enough to bring the bottom of a car in contact with moisture which potentially disrupts the performance of the engine. While this can be fairly disappointing for many car owners, flood insurance does not cover expenses for damage done to their automobiles or their parts.

Families that live in such areas should prepare themselves in the wake of flood season by stocking up on supplies such as imperishable food items, a radio, water, and batteries. While flood insurance covers expenses to rehabilitate communities that live in areas prone to flooding, homeowners will have to buy a separate policy if they wish to get coverage for their home. You can learn how to do this, prepare for a flood and much more by visiting

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