Flooding is expected to occur over the weekend in many parts of South Carolina due to heavy rains. If you have a National Flood Insurance Program (NFIP) flood policy, the policy will pay up to $1,000 for certain Loss Avoidance Measures. The policy deductible does not apply.
This Loss Avoidance Coverage applies only “if damage to the insured property by or from flood is imminent and the threat of flood damage is apparent enough to lead a person of common prudence to anticipate flood damage”. In addition, one of the following must occur:
a) “A general and temporary condition of flooding in the area near the described building must occur, even if the flood does not reach the building; or
b) A legally authorized official must issue an evacuation order…”.
This $1,000 coverage includes the cost of sandbags, including sand to fill them, pumps, and plastic sheeting and lumber plus the value of your work, at Federal minimum wage, that you or a household member performs.
Keep all receipts as you will not be reimbursed without them. Take plenty of pictures of the flooding at your home and in the general area.
File your claim with your insurance agent.
If you do have flood damage to your home, take immediate steps to dry out the house. Call a Disaster Restoration Company as necessary.