Floods are the most common and costly natural disaster in the U.S., with losses of more than a billion dollars annually!

Did you know the average flood loss costs approximately $48,000?

Many people are unaware that a homeowners policy DOES NOT provide coverage for flood related damage. For this reason, you should consider a separate flood policy through the National Flood Insurance Program.

Regardless of the level of risk your home is prone to, a flood policy provides valuable protection...FOR YOU!

Know what to do before, during and after a flood. Select an option below.

Before

• Please click the link below to view updated flood maps as everyone is susceptible to flooding. Use this link to determine your exposure: FEMA flood maps
  
  
• Consider purchasing a policy separate from your homeowners insurance that will cover flood damage to your personal property and your home.
  
  
• Put together an Emergency Supply Kit
  
  
• Turn on your TV, radio, smart phone, laptop, tablet, etc. for emergency information or instructions.
  
  
• Choose a location where family members will meet if separated during the storm.
  
  
• Plan an evacuation route. This should be the quickest route to a safe location.
  
  
• Appoint an out-of-town relative to be your "family contact". After a disaster, anyone not at home should contact this person.
  
  
• Keep roofs and gutters free of leaves, branches and other debris.
  
  
• Inspect your roof, including the valleys and around chimneys. Look for curling shingles or any maintenance needed to ensure you will not have any leaks due to the heavy rains.
  
  
• Keep valuable papers and other important items in secure places.
  
  
• Remove animals from harm's way and into shelter.
  
  
• Fuel your car in case you need to leave your home.
  
  
• If your home has had prior issues with water in your basement, prevent future damage by elevating appliances that are susceptible to flooding such as your furnace, water heater and electric panel.
  
  
• Consider installing check valves in sewer traps to prevent water from backing up into the drains of your home. During severe flooding, sewer treatment plants could flood, causing sewage backup into your home. Discuss with your plumber to find the best option that works for you and your home.
  
  
• Install a sump pump system in your basement. Check it at least twice a year or anytime you hear a storm is approaching to ensure it is working properly.

During

• Turn off and unplug all utilities, appliances, and electronics.
  
  
• Obey evacuation instructions from local authorities.
  
  
• Never touch electrical appliances if you're wet or standing in water.
  
  
• If you're caught inside when flooding occurs, move to the top floor or roof and wait for assistance to arrive.
  
  
• If you're caught outside when flooding occurs, move to high ground and avoid walking through any swiftly moving water.
  
  
• Do not go outside even if the weather appears to have calmed. To ensure the storm has passed, turn on your TV, radio, smart phone, laptop, tablet, etc. or contact the local authorities.
  
  
• Do not drive if you can avoid it. Roads may be washed out or may be blocked by utility lines, broken limbs or emergency and maintenance vehicles.

If you're in your CAR when the flooding occurs...

• Always have your Emergency Supply Kit with you in the trunk of your vehicle.
  
  
• If you come across flooded roads or downed power lines, turn around and go another way. Never drive through standing or moving water.
  
  
• If your car stalls as a result of contact with water in the road, abandon it and seek higher ground.

After

• Return home only when local authorities advise it is safe to do so.
  
  
• Before entering your home, check for any structural damage.
  
  
• Upon entering your home, look for hazards such as loose wires, damaged gas lines and submerged electrical appliances.
  
  
• Keep all circuit breakers turned off until power has been restored.
  
  
• Have all utilities and electrical appliances checked by a professional before use.
  
  
• Begin pumping water from your basement. If more assistance is needed, contact local fire department.
  
  
• Boil all drinking water.
  
  
• Clean up any glass or other debris from the storm to prevent any further injury and/or damage. Wear proper shoes and gloves when cleaning up.
  
  
• Dry and bleach all materials in your home to prevent the growth of mold.
  
  
• Allow your car to dry out before attempting to start it.
  
  
• Protect your property from further damage by using plywood, tarps or other materials to cover broken windows or holes in roofs.
  
  
• Make a list of your damaged property and do not dispose of it. Remove any food or other items from the home that have been in contact with flood water. Do not throw anything away as your insurance adjustor needs to inspect damaged items.
  
  
• Save receipts for any money you spend related to the loss. Your insurance company may need these to settle your claim.
  
  
• It's important to contact your NYCM Insurance Agent right away to report any damages to your property. You can also contact us directly at 800-234-6926. Customer Service is available 24/7/365. To file a flood claim, contact the Flood Processing Center directly at 800-368-7720.