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Rain boots in flooded officeYou might be surprised to learn that even if your business is located in an area that has never had flood problems before, you should still consider purchasing a flood insurance policy. According to the Federal Emergency Management Administration (FEMA), climate change and changing demographics are increasing the frequency of and intensity of natural disasters. Flooding destroys the contents of buildings and, sometimes, the structures themselves. Protect your interests financially with insurance and learn how to protect your business from a flood in case the unthinkable becomes reality.

Advance Preparation is Critical

If your business is located in a flood plain, near a water body that can breach its banks, or in an area that has ever flooded before, you should keep certain items on-site to keep water out and help you minimize the damage if it does come in. Sandbags are the most important preventive tools for keeping water out. If you have space to store pre-assembled sandbags, you should. In particularly extreme weather events, flash flooding can occur with little warning. Flash floods can literally develop within minutes. If you have sandbags onsite, you'll be able to defend your property. Other items to keep onsite are:
  • Cinder blocks to elevate furniture and equipment.
  • Plastic tarps to wrap equipment in to keep it dry.
  • Shovels, brooms, boots, and gloves so you and your employees can remove floodwater, and saturated carpeting, drywall, etc. as quickly as possible.
  • Industrial fans to dry out the building.
If your business floods, the more quickly you can expel the water and remove wet debris, the less likely you'll have devastating mold issue. Additionally, by acting quickly, you'll be able to salvage more of your property.

If you do not have a flood insurance policy for your business, call Fleming & Riles Insurance at (800) 833-4379 to discuss your options for adding this important coverage.
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