Floods are a frequent hazard in Texas. Crossroads Insurance Recovery Advocates believe that knowing how to prepare for floods will help protect your property, business, and keep your loved ones or employees safe. In this guide, incorporating key points from Texas Ready, we will list the steps to prepare for and recover faster from floods.

What to Do Before a Flood

1. Assess Your Flood Risk

• Check if your home or business is in a flood plain, low-lying area, or coastal zone. Areas near creeks, streams, or low-lying grounds can be prone to sudden flooding during heavy rains.
• Consult flood maps and risk assessment tools. These will give good information on potential flood threats in your location.

2. Invest in Flood Insurance 

• Many homeowners and business insurance policies do not cover flood damage. Consider purchasing separate flood insurance if your property is in a flood risk area.
• Flood insurance provides coverage for structural repairs, replacing lost items, and even reimbursing temporary relocation costs.

3. Improve Drainage Around Your Property 

• Install additional drains or dig trenches that direct water away from your property and to safer locations when possible
• Ensure drainage systems and downspouts are clear of debris to prevent blockages during heavy rain.

4. Consider Sandbags for Extra Protection 

• Sandbags can be effective barriers against floodwater. Purchase, fill and install sandbags early once a flood warning is issued.
• Line the base of exterior walls and doorways with sandbags. This can make a significant difference in protecting your property and business from rising water.

5. Evacuate Early When Flooding is Expected 

• Once a flood warning is issued and you are at risk, evacuate as soon as possible. Do not wait for flood waters to rise before leaving.
• Turn off the main power and unplug appliances before leaving. This can prevent electrical hazards and minimize water damage to electrical components.

6. Prepare a Disaster Supply Kit 

• Prepare a flood emergency kit. It should include items like non-perishable food, water, first aid supplies, important documents, and a flashlight.
• Store your kit in a dry, easily accessible location, so you can leave quickly if necessary.

7. Research on Insurance Public Adjusters 

• Public adjusters like Crossroads Insurance Recovery Advocates, specialize in maximizing your flood insurance claim. They can help you document losses and speed up the recovery process.

8. Key Safety Tips for Business Owners 

• Backup Data: Back-up data and records in cloud servers or off-site storage to prevent loss.
• Have a Business Continuity Plan: Outline steps for temporary closure, remote work, and recovery post-flood. This will minimize downtime and get operations back on track quicker.
• Ensure Employee Safety: Fix with employees an emergency plan. This should include the evacuation routes.

Final Thoughts on Flood Preparedness

Floods are unpredictable. The right preparation can make a significant difference in reducing damage, ensuring safety and speeding up the recovery process. If you need help with your flood insurance claim, do not hesitate to contact Crossroads Insurance Recovery Advocates for expert guidance at 713 369 4300 or send us an email contact@crossroadsira.com. Our team has extensive experience helping Texas homeowners and business owners navigate flood-related claims.