It's vital you understand your insurance policy before a flood occurs. Read your flood insurance policy carefully and know how to file a claim. Report claims immediately to your insurance company. Flood damage is excluded under basic homeowners policies. If you live in an area that is prone to flooding, consider purchasing special flood insurance from the federal National Flood Insurance Program (NFIP) www.fema.gov/business/nfip.*  Insurance companies do not underwrite flood insurance, and the NFIP is the primary way to protect your property from the devastation of a flood. Talk to your insurance agent about NFIP coverage.

It will be easier to file an insurance claim if you have a complete inventory of your property, including serial numbers, photographs or videotapes. After a disaster it's almost impossible to remember everything you lost. Keep your inventory and photographs or videotapes in a safe place away from home, along with supporting receipts, bills and canceled checks.

By being prepared, you can lessen the hazards of a flood. Teaching your family exactly what to do in a time of emergency can help them come through the event safely.