**Please note: This is a second installment to our first published post on 8/7/15


Any time there is heavy rain in your area, be sure to follow these simple safety rules:

•Listen to NOAA Weather Radio for current and forecasted conditions in your area.

•If flooding begins in your area, go to higher ground immediately. Have a plan to meet up at a pre determined location.

•When driving, always be aware that the road bed under flood waters may be severely damaged. NEVER drive through flooded roadways. Remember that it takes only two feet of water to carry away a vehicle, including pickups and SUVs.

•When walking, do not attempt to cross flowing streams. Remember that it takes only six inches of rushing water to knock an adult off his feet.

•If your vehicle stalls, get out immediately and go to higher ground.

•Be extra cautious at night, when it is harder to see possible flood dangers.

•These four words could save your life: TURN AROUND, DON’T DROWN.

•Clean and disinfect or toss out everything that got wet. Floodwaters pick up sewage and chemicals from roads, farms, factories and storage buildings. Spoiled food, flooded cosmetics and medicines are health hazards. When in doubt, throw them out.

•Soaked carpeting and padding should be pulled up and discarded.

•Look before you step. After a flood, the ground and floors are covered with debris including broken bottles and nails. Floors and stairs that have been covered with mud can be very slippery.

•The use of large fans can speed the drying process and curtail the development of mold.

•Drowning is the number one cause of flood deaths. Most of these drownings occur during flash floods. Six inches of rapidly moving water can knock you off your feet. We recommend that you don’t, but if you must go through an area where water is standing, use a pole or stick to make sure that the ground is solid under the surface, and test the depth.

•Do not drive through a flooded area. More people drown in their cars than anywhere else. Don’t drive around road barriers; the road or bridge may be washed out.

•Stay away from power lines and electrical wires. Electrocution is also a major killer in floods. Electrical current can travel through water. Report downed power lines to your utility company or local emergency manager.

•If the water level got so high that appliances were soaked, don’t go into that water. Turn off your electricity until the water recedes or you can get it pumped out Then dry the appliances out. Some appliances, such as television sets, can shock you even after they have been unplugged. Don’t use appliances or motors that have gotten wet unless they have been taken apart, cleaned and dried.

•Be alert for gas leaks. Use a flashlight not a match to inspect for damage. Don’t smoke or use candles, lanterns or open flames unless you are sure that the gas has been turned off and the area has been aired out.

•Carbon monoxide exhaust kills. Use a generator or other gasoline-powered machine outdoors. The same goes for camping stoves. Fumes from charcoal are especially deadly; if you must cook with charcoal, use it only outdoors.

•Watch for animals, especially snakes. Small animals that have been flooded out of their homes may seek shelter in yours. Use a pole or stick to poke and turn items over and scare away small animals.

Once you have survived the flood, recovery can include contacting us regarding your coverage. We can advise what coverage is available to you. We highly recommend Backup of Sewer and Sump Pump Coverage, but this does not cover floodwater damage.

•Are you covered for flood damage? Policies for mobile or manufactured homes may include coverage for flood damage, unlike standard home policies. We can provide information and quotes for federal flood coverage in addition to a standard homeowners policy.

•Flood damage to automobiles is covered under the comprehensive portion of an auto policy.


Again, do not take chances. Trying to save a few minutes can be a fatal mistake. Keep yourself and your family safe.