Rhode Island has just experienced one of the biggest disasters in our state’s history! The flood caused rivers all over the state to reach unprecedented levels. Two straight days of rain caused the Pawtuxet River to flow into communities along the river. It caused roads all over the state to be shut down because of flooding, even Route 95. Some residents in Warwick can’t flush their toilets because the sewage plant is shut down. On top of that the ground is giving way in some areas, hundreds of residents homes are have sustained water damage, many people are being evacuated from their homes, and the flood has left the whole state of Rhode Island in a disarray.
Now that everyone in the state has experienced a flood, at Bucci Insurance we think it is important for every Rhode Islander to know what to do before, during and after a flood. Today, we are going to talk about the plans of action before a flood strikes.
We realize that you may never know exactly when a flood is about to happen, but here are some things that you should do ahead of time. First, purchase flood insurance. We can not drill that into your head enough! It is important to have flood insurance, especially when living in a state surrounded by mostly water. Having home owners insurance does not cover floods. At Bucci Insurance, we would be happy to help you set up your flood insurance policy. There are two different types of policies that are available. One is the standard flood insurance policy, which you can apply for if your community participates in the National Flood Insurance Program. The other policy that you can apply for is preferred risk flood insurance. If your home or business is in a low to moderate risk zone then this is the policy for you. While you aren’t required to purchase flood insurance if you live in these areas, having this policy will protect your home if a small or large flood extends into your area.
Next, make sure that you keep copies of all critical documents in a safe place like a lock box. Keep copies of insurance polices, finance records and even a list of all your possessions. Finally, make a family emergency plan. Have a safety kit ready with food, water, medical supplies, radio and flashlight. Make sure your family has a plan of action on how to evacuate and where you will go. It is important that you are prepared and ready next time a disaster like this hits our area.
Come back tomorrow to find out what to do during and after a flood. If you have any questions about flood insurance please contact us at Bucci Insurance. We would be happy to answer any questions that you may have. If you live in Kent, Newport, Providence, or Washington counties follow the link on how to apply for federal assistance.
Stay safe out there today!