ORLANDO, Fla. – Powerful hurricanes can bring a lot of rain in a short amount of time to Central Florida and can cause devastating flooding to certain areas.
Tony Hake works in FEMA’s Federal Insurance Division and said there is difference between homeowners and flood insurance.
“So, homeowners insurance typically does not cover flood. Flood insurance covers the external forces; the rain, the rising water, those types of things coming in,” he said.
He suggested people to buy flood insurance early.
“There is a waiting period, a 30-day waiting period for your policy to go into effect. So to purchase early, you know, if you see a storm coming your way and it’s a week out, it’s not going to cover it because you have a 30-day waiting period. But. I would encourage people to talk to their insurance agents,” he said.
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He said they have seen an increase in flood insurance policies, the premiums, but not all premiums have gone up.
“We did a new rating methodology recently, about a quarter of them went down. So most folks are on a glide path to their full risk rate and once they reach that full risk rate, it levels off. So, insurance, just like other insurances are increasing. The risk is increasing,” he said.
Check to see if you live in a flood zone or area prone to flooding
You can find out if you live in a flood zone by looking up your address on FEMA’s flood map. You can find your official flood map, access other flood hazard products and check out tools for a better understanding of flood risk.
FEMA continually updates the map, so you're encouraged to check it regularly.
Purchase flood insurance
According to FEMA, it typically takes up to 30 days for a policy to go into effect, so keep that in mind as you prepare for hurricane season. Homeowners insurance policies do not cover flooding. You can get flood coverage under the National Flood Insurance Program.
Homeowners and renters can purchase flood insurance. Even if you live in a low-risk flood zone and flood insurance isn't federally required, you can still purchase flood insurance.
Prepare before the storm hits
Download the News 6 Pinpoint Hurricane App for the latest on hurricanes and other tropical developments in the area.
FEMA encourages homeowners to protect their property by moving valuables to higher levels and decluttering drains and gutters. The agency also suggests installing check valves in sewer lines to prevent floodwater from backing up into the drains of your home. Homeowners can also use sandbags to help prevent flooding inside their home.
Store supplies so you can grab them quickly if you need to evacuate
FEMA suggests storing emergency supplies in a “go bag” so you can grab it quickly before leaving. The agency said you should keep in mind people’s needs, including medications. Keep important documents in a waterproof container and create password-protected digital copies.
Evacuate if necessary
If authorities are advising you to evacuate your home, do so immediately. If floodwater is present on roads, bridges or the ground, don’t cross it. Avoid moving water as it has tremendous power.
If you’re trapped, call 911 and give your location to first responders. If you’re in a building, go to the highest level. Only go onto your roof if necessary and signal for help. If your vehicle is trapped in fast-moving water, stay in the car. If water is rising in the car, get on the roof. If you’re outside, move to higher ground.
Only return to your home when authorities say it is safe.
For more hurricane-preparedness tips, head to ClickOrlando.com/Hurricane.
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