What To Do In Case Of Flood?
Floods can not be stopped
or avoided, and if your home is located in a flood zone area, there
is really nothing you can do expect to take measures to minimize
the possible damage or destruction of your property. You can also
expect that when your house is located in a flood zone area, it
will increase your flood zone insurance premium.
Insurance providers charge higher premiums in
high-risk areas, even as much as three times higher than for those
policy holders whose houses are located in low-risk areas. If you
do not want to move to another location, then you have to bear the
high flood insurance premiums.
However, you are not that helpless. Insurance
companies can also give you advice on how you can put up measures
to obtain cover. It is very important for you to get adequate cover
for your house buildings and the contents of your home. You have
worked so hard to acquire your things and it is not that easy to
lose them or see them damaged in a flood. Some objects may even
be replaceable so of course you would not want to lose them.
Here are some advices for you to minimize damage
when you receive a flood warning, but do this only if you have adequate
time. Do not sacrifice your own safety because you only have one
life to live and no matter how many life insurance cover policy
you have, it can not restore your life. Things can be replaced but
your life can not be replaced.
First of all, be sure that your flood insurance
and other important documents are at hand. Also make sure you have
the emergency line numbers ready because if things get worse, you
can not possibly swim around your house looking for lost numbers
and papers. If you have sandbags ready, you can protect the doors
inside your house with them. You can also push furniture and other
electrical items to higher parts of your house if you still have
enough time to do so.
If water floods your house, do not by any means
attempt to leave your house. It may be too dangerous and the current
may sweep you away. You can move up to the higher floor of the house.
If you live in a high risk area, you should have an emergency pack
ready which contains some dry clothes, toiletry essentials, medicines,
emergency phone numbers, torch, a flask with hot drinks and important
documents.
When your home is flooded, do not waste a minute
to turn off the main switch of the electricity. Think of your safety
and do not use electrical sources of heat near the flood water.
As soon as the flood water subsides, do not wade your way across
the sodden floors and start redecorating. That is your least priority
for the moment.
For more information about high risk areas, you can call National
Flood Warning Centre at telephone number 01276 454 725, or visit
www.environment-agency.gov.uk,
and www.homecheck.co.uk.
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