Hurricane Season is Flood Season

Hurricane Season is Flood SeasonCoastal areas aren’t the only areas that experience the brunt of the strong winds and torrential rains of a hurricane or tropical storm. And with the hurricane season starting June 1, there is just one question left to ask. Are you covered?

Eight out of the ten most expensive federally declared disasters were caused by flooding from a hurricane, according to the National Flood Insurance Program (NFIP). Even worse? The damages extended as far inland as Ohio for a few of these storms. Flooding can happen to anyone, at any time, regardless of whether you live in a coastal or inland area.

Preparation Tips for Before the Storm:

  1. Although a standard homeowner policy will generally cover the costs of damages caused by wind-driven rain, damages caused by flooding are not covered. Flood insurance can be purchased from your independent agent through NFIP. Remember, it typically takes 30 days before a flood insurance policy goes into effect.
  2. Take steps towards protecting your possessions before a claim. Documenting all belongings and storing supporting documents in a safe place will help ease the claims process for damages after the storm hits. Download our free Home Inventory Guide to help list out your belongings for your independent agent.
  3. Map out a family emergency plan by drawing out an evacuation route. Prepare an emergency kit that includes drinking water, non-perishable food, a first aid kit, blankets, a radio, flashlights and enough food and water for pets.

For more information, contact McGrath Insurance Group at 800-342-3859 or visit our website at

*This article is written for informational purposes only and should not be construed as providing legal advice.