This year, Oklahoma has received record rainfall. It’s July and we’re experiencing even more rain, which is helping cool our hot summer. Rain is always welcome to our state, but when it turns into flooding, it can destroy a lot of property and even cause fatalities. Poor drainage in a number of areas in the state and already full lakes and creeks make it easier for flooding to occur in places that it would otherwise not. In this article we’ll discuss tips to keep you and your family safe during Oklahoma flash floods, and controlling flood water.
It can happen to you!
The first tip is to remember that flooding can happen to about any area in the USA. According to Floodsmart, over 20% of flooding claims were from places where the risk of flooding was low to rare. Imagine that for a minute. If it can happen then we need to be prepared for it and do what’s necessary to keep our homes from flooding. Good thing for you, you’re reading this so please stick around till the end.
Homeowners insurance usually doesn’t cover flooding
This is a big shock for a lot of people. Just because you have homeowners insurance, doesn’t mean that you’re covered against flooding. According to Insurance Information Institute, Standard homeowners and renters insurance does not cover flood damage. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program – NFIP (888-379-9531) and from a few private insurers. You need to call your insurance agent and discuss flooding insurance coverage and make sure you understand the extent of your coverage.
Prevent flood water from damaging your home by:
- clean your gutters and clear your drains periodically to prevent blockage and help direct the water during heavy rains,
- move your valuables to a safer place so you won’t lose anything if flooding happens in your home. Consider installing a storm shelter that cannot be washed away with the rains or flood water. Underground storm shelters or steel safe rooms will keep your expensive stuff safe and provide shelter for your family as well,
- take extra care of your roof by having it inspected at least every season. The health of your roof is one of the biggest protection against flooding,
- fix leaks and openings as soon as possible. This includes leaking roofs, cracks on the wall, broken windows, and any other openings you may have. Water doesn’t require a huge opening to get in; a small opening is all it takes and the force of water will open it even wider,
Plan for evacuation from flood waters
Lastly, prepare your important belongings if you have to evacuate your home. When flooding starts there’s only one option: move from your home. To do that you’ll need to have some personal belongings packed up and ready to go.
I hope this helps! If you found this article useful please share with your friends on social media.