Floods often cause extreme threats to public safety. When floods interrupt public services, they may deprive people of needed utilities.
Despite preparedness training, law enforcement often struggles during times of flooding. It often has to devote resources to the most severe cases of safety threats. Therefore, criminals are more prone to operate during times of flooding. This is because potential victims may lack the full resources to protect themselves.
During floods, instances of looting and theft often occur. If owners evacuate or abandon property, criminals may use this opportunity to loot.
If you experience theft during a flood, you often have insurance resources for losses. However, do everything you can before flooding to reduce the risk of damages.
Before Flooding: Have the Correct Insurance
Flood-related theft often has coverage from a couple of different insurance options.
The standard property insurance often doesn’t cover flood-related property damages. You often have to buy flood insurance to repair property damage from flooding.
However, property insurance may still cover theft to personal items during floods. These losses may include instances of theft or looting. When you buy property insurance, ask your agent if it covers theft specifically related to floods.
If you buy a flood insurance policy, make sure it covers instances of flood-related theft. In some cases it may, in other cases not.
Secure Your Property
If your home faces a flood risk, take time to secure the property from theft before flooding strikes.
- Keep a detailed list of valuable property in your home. It is often a good idea to photograph certain property in order to identify it after theft. If you can, take note of identifying information like serial numbers or customizations. This can aid identification.
- If you have to evacuate your home, take your most valuable property with you. This might include jewelry, cash stores, and legal documents. Keep these items in a portable safe or lock box to ensure their safety while you evacuate.
- Before flooding, pack valuables away and move them to waterproof areas. Lock these areas securely including all doors and windows. If you have a safe, make use of it.
- Move all outdoor items indoors and lock them away.
- Keep your home locked and security system armed for the duration of the flooding. If you have to shut off your electrical systems, keep in mind that your security systems may not work.
- Try to establish contact with local law enforcement to report instances of theft. Also follow all local rules for home security before leaving.
- Post No Trespassing signs around your property.
- Consider sealing doors and windows with plywood. This can often deter potential thieves.
Properly protecting valuables is an important aspect of flood protection. That’s why you shouldn’t neglect this important task.
We can help you get a flood insurance policy that meets your unique needs. Call us at 843-519-2557 for more information.