Here are some tips to help you before, during and after a flood. First, be alert when storms approach. Be prepared to move valuables to a higher location and to evacuate immediately, if necessary. Prepare a flood response plan that will help you think through all the details that demand attention after a flood watch or warning is issued. Writing it down will help you remember everything, which is especially important when everyone is in a hurry and excited because a flood is coming. Put photocopies of inventory records, insurance policies, deeds, automobile titles, wills, telephone numbers, bank and credit card account numbers, and other valuable papers at a location away from your house, such as a safe deposit box.

These trucks were flooded out by the remnants of Allison in 2001.

If you know a flood is imminent, you should shut off the gas and electricity and move valuable contents of your home to a safe place. If you’re not sure how to turn off your gas and electricity, call your local utility companies. When the flood comes, the safety of your family is the most important consideration.

Floodwaters can rise rapidly, so you should be prepared to evacuate before the water covers your prearranged escape route. Do not drive through a flooded area. Most flood deaths occur in cars. Don’t drive around road barriers; the road or bridge may be washed out. Do not walk through flowing water. Currents can be deceptive; six inches of moving water can sweep you off your feet. Use a pole or stick to ensure that the ground is still there before you enter standing water.

If you’re caught in the house by floodwater, move to the second floor or to the roof. Take warm clothing, a flashlight, and portable radio with you. Wait for help.

Safety is an issue after the flood, too. Before entering a building, check for structural damage and turn off outside gas lines to your meter. Let the building air out for several minutes before entering. Watch for electrical shorts and live wires while turning off the main power switch. Stay away from power lines and electrical wires. The number-two flood killer after drowning is electrocution. Electricity can travel through water.

Cover broken windows and holes in the roof or walls to prevent further weather damage. Proceed with immediate cleanup measures to reduce any health hazards. Take pictures of items being discarded and show them to the insurance appraiser for verification. Water for drinking and food preparation should be boiled vigorously for ten minutes.

Flood insurance is available for all properties in Trophy Club
Most homeowners’ policies do not cover flood losses. You can protect your home and contents through the National Flood Insurance Program. You should obtain coverage for structure and contents. There can be more damage to the contents than the structure. Renters can buy contents coverage even if the owner does not insure the structure.

To find out more about flood insurance, contact any licensed property/casualty agent or broker - the same person who sells your home and auto policies.

For a list of helpful websites, click here.

If an insurance agent tells you that you cannot get flood insurance, you need to report that insurance agent to:

TEXAS DEPARTMENT OF INSURANCE
Consumer Protection (111-1A)
P. O. Box 149091
Austin, Texas 78714-9091
Fax Number: (512) 475-1771
Complaint Form

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