How to Speak Flood to Your Clients

Last year’s hurricane season was one of the most devastating and costly on record, and it Global warming, house on a lifebelt, rising sea levels, floodingcan happen again. Forecasters predict that 2018 will be a near-to-above-average hurricane season.

Below are some messages and resources you can use to communicate with clients when flood events are likely, but not imminent. The goal is to reach current or potential clients when the threat of a hurricane is top-of-mind, but to avoid the perception of marketing flood insurance when a storm is about to hit (or after it has hit), as it is likely too late for clients to get covered at that time.

In addition to communicating about the importance of flood insurance, make sure to help clients understand other the hurricane preparedness steps that they can take.

How to Speak Flood

  • Now is the time to prepare for hurricane season: Buying flood insurance is one of the most important steps you can take to protect the life you’ve built. Don’t delay because flood insurance policies typically take up to 30 days to go into effect.
  • It can happen again: The 2017 hurricane season was one of the most devastating and costly on record, and forecasters predict that these severe storms will continue this year.
  • Just one inch of water in an average-sized home can cause more than $25,000 in damage: Remember, most homeowners insurance does not cover flooding.
  • Flooding can happen anywhere, not just in high-risk areas: More than 25% of flood insurance claims come from outside the high-risk area.

Hurricane Preparedness

  • You can’t control the weather, but you can prepare for it: This hurricane season, make sure your family is protected. Make a communication plan, know your evacuation routes, and create a storm bag filled with essential disaster supplies, like medication and key documents (insurance policies, bank information, etc.).
  • Take time to document: Take pictures and video, and keep a record of your most valuable belongings. In the event of flooding, this documentation will help you file a claim and recover more quickly.
  • Prepare your home: Remove damaged trees and limbs, secure and reinforce the roof, and remove debris from gutters to prevent water damage.
  • Before a hurricane: NFIP flood policies will cover up to $1,000 in expenses incurred to protect your insured property from an imminent flood event. This includes purchasing sandbags, plastic sheeting, and lumber.

IIAT Advantage offers Flood Insurance Programs for IIAT members underwritten by Assurant Flood Solutions and Selective. For more information please contact Polly Middlebrook at 512-493-2425.


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