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Flood Prevention and How to React to a Flood

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What you need to know to prepare for possible flooding in the Treasure Valley and how to protect your home.
As the weather continues to warm in our area, the chances that the Boise River could flood increases. Whether the river floods a neighborhood in Eagle, Boise, or Garden City, or your community here are some tips from Idaho Department of Insurance.
First check your insurance policy says Dean Cameron, Idaho Department of Insurance Director. ““Most homeowners’ insurance policies exclude damage caused by flooding, so purchasing flood insurance can be a wise decision.” Remember it takes thirty days for flood insurance coverage to kick in, so the sooner the better when it comes to acquiring it.
Here’s a list of what you should do before a flood or flood season:
• Create a detailed inventory of the contents of your home – the Department has an inventory checklist on its website.
• Secure original insurance documents in a safe place – preferably a bank safe deposit box – and keep copies in your home in an accessible place that is not subject to flooding.
• Call your insurance agent to learn how to report a flood claim.
• Set up an emergency contact address and phone number in the event you are unable to stay in your home – share this information with your insurance agent and your family.
Here’s a list of what to do after the flood:
• Contact your insurance agent or company and report the loss – have flood insurance policy information ready.
• Separate damaged and undamaged property; do all you can to protect undamaged property.
• Make a list of damages for the adjuster – if you have prepared a home inventory, this should be easy
• Take photos of all damage, including water lines on walls and cabinetry.
• Make a list of any areas of structural damage you want to point out to the adjuster.
• Consult with the adjuster before signing any agreements or contracts to clean or restore your property.
• Begin to dry out the building and your personal property.
• Hire an appliance repair company to provide a repair estimate for flood-damaged appliances – including heating and cooling equipment.
How to avoid possible scams:
• Obtain bids from multiple contractors, and request at least three references
• Ask for proof of licenses, building permits, insurance, and bonding
• Record the contractor’s license plate number and driver’s license number; check for complaints with the Better Business Bureau.

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