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Preparing for floods

January 15, 2015

As severe weather impacts a number of homes and families around the country, Ralph Hudgens, Georgia's Safety Fire Commissioner, is offering a few tips for homeowners to better prepare for fierce weather.

It's never a bad idea to protect your home with a flood insurance plan.
Hudgens said standard homeowner insurance policies typically cover damage from high winds and tornadoes but not floods. He also said those in mobile homes should double check their policies, because some standard mobile home insurance does in fact cover flood damage.

Homeowners should make a list and take pictures of all their furniture and valuables in case their home were to be hit by a natural disaster. The list and pictures would prove vital if an insurance claim is needed.

Yet flood damage isn't just limited to the southern part of the country.

According to Ken Schroth, the director of public works in Aurora, Ill., river flooding seen last year broke Illinois' all-time records.

“Sadly, many people don't realize that the majority of homeowners' and renters' policies don't cover damage from flooding until it is too late,” Schroth told Aurora Beacon News. “With floods being the most common disaster in the country and one of the most expensive, it is imperative to know your insurance coverage before disaster hits.”

Knoxville, Tenn., ABC affiliate WATE reported that homeowners policies don't cover damage by a flood because the number of people who are willing to dole out cash for the added coverage will not pay enough in premiums to cover the claims.

But most homeowners insurance policies cover hail, tornado and wind damage, according to WATE. That means if a hole in your roof or a broken window allows rain to come through, your insurance plan would cover that type of water damage.

A homeowners insurance plan generally covers the repair or replacement of your home and its contents up to a regulated limit. Check with your provider to better understand what you are covered for.