Disaster preparation comes in many forms—evacuation plans, disaster supply kits, pet plans and more. It is important that insurance checkups aren’t overlooked. Property owners often believe that homeowners insurance covers flooding. It doesn’t, which is why talking with them about flood insurance is so important.
September is National Preparedness Month and the perfect opportunity to reach out to property owners for an insurance checkup. Talk to policyholders and prospects about flood insurance and the risks they could face from new development, flash floods, levees, flood after fire and more. Flooding is the nation’s No. 1 natural disaster, and anywhere it rains it can flood.
Residents without flood insurance face an expensive recovery. Only a few inches of floodwater can cause thousands of dollars in damages. If available, federal disaster assistance traditionally comes in the form of a loan and must be repaid. Demonstrate potential financial consequences by embedding the Cost of Flooding Tool on your website.
Tools to Help You Communicate Flood Risk
Many people underestimate their flood risk, and they aren’t prepared when flooding occurs. Agents.FloodSmart.gov offers tools that include:
- Agent Field Guide — quick reference for tips and talking points
- Flood after Fire Widget, Hurricane Widget, Levee Simulator Tool, or Flood Risk Scenarios Tool —interactive tools that you can embed on your website to illustrate flood risks
- Fact Sheets — handouts that explain flood risk
- Social Media Messages — flood messaging to share online
Just because an area hasn’t flooded in the past doesn’t mean that it won’t flood in the future. Remind your clients of the 30-day waiting period before a flood insurance policy goes into effect. Have the flood talk sooner rather than later.
Tools to Help Your Client Prepare for Flooding
You can also help your clients prepare for flooding by using these tools on your website, on social media, or in person:
- Before a Flood Infographic
- During a Flood Infographic
- Flood Preparation and Safety Brochure
- Consumer Checklist
- Business Checklist
Your clients will appreciate your proactive approach to making sure they protect what matters.
Practice What You Preach
Use National Preparedness Month to make sure your agency is prepared for flooding and other disasters. Create a plan so that you, and your agency, are ready.