Flood Insurance Blog

Flood Recovery

Flood Recovery: What to Know

By | Flood Info

Recovery after any flood is difficult, whether you’re suffering from the catastrophic devastation caused by Hurricane Michael or your home was damaged by a small local flood. It can be extraordinarily difficult to accomplish all that needs to be done, but establishing a clear set of priorities is helpful.

Warning!

You’ve been anxiously waiting to go home, but don’t go in until you’re sure it’s safe.

  • Wear boots or sturdy shoes, eye protection, and heavy gloves. In addition to dangers such as broken construction materials, jagged metal, and glass, watch for snakes, red or fire ants, and other dangerous animals.
  • Check for structural damage before entering.
  • Wear a respirator capable of filtering mold spores if mold is present.
  • Be sure the gas and electricity are turned off and there are no gas leaks. Use only lights powered by batteries.
  • Open windows, doors, closet, and cabinet doors to ventilate home and reduce humidity. If possible, run air conditioner or heater, fans, and dehumidifiers.
  • Remove valuable belongings and clear debris.
  • Do what you can to minimize further damage: Tarp or repair roof and damaged floors, patch holes, and check for leaking water pipes.
  • Pump out basement very carefully. If soil surrounding the basement is still saturated, hydrostatic loads can cause the walls and floors to collapse or crack.
  • NEVER combine chlorine bleach with vinegar, ammonia or household cleaning products as the combination could create toxic fumes.

How Water Damages to Your Home

Many elements of your home are particularly vulnerable to floodwater damage.

  • Wallboard will disintegrate when wet for too long
  • Wood cabinets, doors, window frames, molding, and flooring will warp, swell and decay
  • Electrical components can shock you or cause fires

Mold and Contaminants

  • Mold spreads very quickly after a flood. Breathing in the mold spores can cause a number of serious health issues. Respirators are recommended.
  • Many common household products can be used to clean mold from surfaces. Moldpedia, among others, publishes instructions on various do-it-yourself mold removal methods.
  • Floodwater contains many unknown and potentially dangerous contaminants. Use bottled water for drinking, cooking, and other purposes until wells or public water sources are tested and pronounced safe.

Care for Your Family and Yourself

Your greatest source of strength is your family. Stay together.

  • Everyone is stressed but will react differently. Don’t hesitate to ask for help.
  • Establish a workable schedule.
  • Hold family meetings to talk about your problems, letting all family members express their concerns. Reassure your children and be patient.

Stay Healthy

Make mental and physical health a top priority.

  • Expect floodwaters to be contaminated. Contact with the water should be avoided by those with health issues, pregnant women, and young children.
  • Everything, especially dishes and cooking utensils, should be disinfected.
  • Wash hands thoroughly and frequently with clean water and soap.
  • Try to avoid being injured as any wound can easily become infected.
  • Pay attention to your physical limitations and take or obtain necessary prescription medications.

Financial Assistance

There are several sources of financial assistance.

1. Insurance

  • Contact your insurance agent(s) and your mortgage holder.
  • Homeowners insurance normally covers wind losses and broken water pipes.
  • Flood insurance covers floodwater losses.
  • Wind and hail insurance protects residents of coastal areas from hurricane losses.
  • Ask about coverage for hotels, rental cars, and other living expenses.
  • Find out details on the claims process and when an adjuster will be assigned. Take photos and begin a list of your damages. Separate damaged from undamaged items. Collect receipts and other proofs of purchase.
  1. Government Disaster ProgramsState and/or federal aid programs become available after your community has been declared a disaster area by your governor, the President, or a federal agency. Check with your local government for details on applying for state disaster relief programs.Presidential disaster declarations enable many federal disaster relief programs including:
  • Loans
  • Housing assistance
  • Grants
  • Deductions on income taxes
  • Counseling
  • Assistance with floodproofing your home
  1. Volunteer GroupsVolunteers from the Salvation Army, the American Red Cross, and churches are often among the first to offer help after a disaster. They typically help with immediate flood recovery needs such as clothing, shelter, food, medical aid, and counseling.Neptune Flood is committed to providing the best flood insurance available today. Obtain a quote in minutes – you’ll be surprised by the high limits, additional coverage, and affordable price. Compare Neptune’s coverage to traditional government flood insurance and see for yourself. Backed by some of the world’s largest insurance markets, Neptune Flood offers the flood insurance you need.

    Visit #LifeWaterproofed today.

Flood Causes

Flood Causes

By | Flood Info

Floods are the #1 natural disaster in the U.S. and worldwide. Damage from floodwaters surpasses the losses caused by hurricanes, tornadoes, or earthquakes – as horrifying and powerful as those catastrophic events are.

The simplest definition of a flood is a large overflow of water onto land that is usually dry. Floods can appear and recede as quickly as it happens with a flash flood. The most catastrophic floods linger for some time, causing loss of life and irreparable damage.

What Causes a Flood?

Flood prevention is a matter of great concern. Floods are primarily a natural phenomenon, but human actions, such as poorly designed infrastructure, can set the stage for a later flood. Understanding the causes is essential to either flood prevention or reducing future flood damage.

Most floods are the result of one of the eight following causes, some natural and some the result of human actions.

1. Heavy Rainfall

For many years, people have designed their infrastructure to move rainwater from where it falls to reservoirs and basins. Most of the time, the system works. No one other than those who support the infrastructure gives a second thought to where the water goes.

Occasionally, a very heavy rain will be too much for the system to handle. The water accumulates faster than it can be taken away. Streets flood. Homes and businesses are flooded by the rising water.

2. Overflowing Rivers

It’s entirely possible to experience river floods without heavy rainfall in your area. People living near rivers are very aware of the fact that if a large storm dumps tremendous quantities of water into the river upstream, then that excess water will flow downstream. This type of flood can be catastrophic but is often predictable and manageable.

Perhaps the best example of this type of flood took place annually in Egypt for thousands of years. The annual flooding of the Nile was a much-anticipated event. The floodwaters left behind incredibly fertile soil that grew the crops needed for trade and to feed their entire civilization.

3. Broken Dams and Levees

Broken dams can cause an incredible amount of damage. In the U.S., most dams and levees were built many years ago. When faced with more water than they can handle, these structures fail, releasing raging waters upon anything in its path. While our infrastructure normally works very well, any structure could potentially fail.

During Hurricane Katrina, the aging levees broke, changing countless lives forever. Thirteen years later, sections of New Orleans’s Ninth Ward still resemble a crumbling ghost town. The story would have been much different if the levees had held.

The Johnstown Flood of 1889 left 2,209 people dead after the South Fork Dam failed. A vast quantity of water exploded through the breaking dam, rushing 14 miles downstream where it totally destroyed the town of Johnstown. Investigation of the disaster eventually resulted in changes to dam management and the U.S. legal system.

4. City Drainage Basins

Many large cities, such as Los Angeles, build concrete drainage basins to contain and manage rainwater. When the rain is especially heavy, the basins can fill up and overflow into low-lying areas.

5. Storm Surges and Tsunamis

Storm surge is one of the most dangerous effects of a hurricane. Powerful winds push water toward the shore, creating life-threatening storm surges that can rage over the tops of homes, sweeping away everything in its path. During Hurricane Katrina, a 34.1 foot High Water Mark was recorded, consisting of a 22 feet high storm surge combined with a 1-foot tide and 11-foot waves. If you live in a two-story house, this storm surge would have totally engulfed your home, crashing over the roof.

Underwater earthquakes can create monstrous waves known as tsunamis. The tsunami that devastated Indonesia in 2004 killed 227,898 people.

6. Lakes, Rivers, and Reservoirs With Steep Sides

A fast runoff of water in a steep-sided narrow channel will rise quickly. This can occur with either natural or man-made channels.

7. Drought and Desert Areas

Trees, shrubs, and other vegetation help to prevent floods by slowing runoff. When there is little vegetation, such as in a desert or drought, the water flows unchecked. A heavy rainfall after a drought can result in a flash flood. Fortunately, reservoirs and basins are normally able to prevent this. In areas where nothing exists to divert the water, flash floods can prove deadly.

8. Melting Ice and Snow

Most people who live near mountains are prepared for spring floods as the snow melts and creates ever-larger streams rushing down the mountain. If there was a much heavier than average snowfall, they know they can expect higher than average water levels and possible floods.

In 2017, the year of Hurricanes Harvey, Irma, and Maria, the average insurance claim after a flood was $91,735. 2018 has also seen substantial flooding. After the recent Florence floods, people living 200 miles from the ocean were flooded. Many never expected to be flooded and had no flood insurance.

Could you afford to rebuild your home and replace all your belongings? Neptune Flood offers peace of mind from the unexpected. If you live in a designated flood zone, your mortgage holder requires flood insurance. However, as happened this year, devastating floods can happen in areas where flooding isn’t anticipated. Also, many homeowners with no mortgages don’t carry flood insurance.

Get a flood insurance quote from Neptune Flood in less than three minutes. Discover how affordable it is. Knowing you’re covered will let you sleep at night.

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Flood Map: What is It?

By | Uncategorized

In August 1492, Columbus sailed the ocean blue. He never would have been able to navigate that blue ocean and its hidden dangers, shifting tides, and deadly currents, without a map. The same theory applies to flood waters, whose risks can be charted by modern flood maps. These maps keep communities abreast of local flood possibilities. Here is some information about flood maps and how they can keep your head above water:

WHAT ARE FLOOD MAPS?

Flooding is the United States’ primary natural disaster. Hurricane Florence characterized the utter devastation that flooding can cause. However, even a few inches of water can ruin your home and its contents. (A six-inch-deep creek can explode into 10 feet of raging river in only one hour.) Flood insurance rate maps (FIRMs), created by FEMA (Federal Emergency Management Agency), inform your community about the region’s potential flood risks.

WHO USES FLOOD MAPS?

Flood maps are used by a wide variety of people and organizations. Private Citizens, realtors, and insurance agents use them to locate properties in flood insurance danger zones. Community leaders use them to enforce flood management stipulations and intercept flood damage. Federal agencies and lenders use them to decide whether or not flood insurance is necessary for loans, grants, and building construction.

DO FLOOD MAPS AFFECT INSURANCE?

Yes. A flood map determines the cost of insurance so that homeowners can financially gird themselves against costs incurred by flooding. If your degree of risk is low, your insurance premiums will also be low. Flood insurance may be mandatory in high-risk areas. Neptune Flood will use our cutting-edge fusion of technology and insurance expertise to guide you through the complexities of flood insurance selection.

DO THEY MAP REAL FLOODS?

No. They are maps of hypothetical floods, which help residents understand the areas that may be particularly susceptible to flooding.

WHAT TECHNOLOGIES ARE USED TO CREATE FLOOD MAPS?

• LIDAR (Light Detection And Ranging) — LIDAR simulates flow for the entire floodplain in two dimensions. This technology provides an accurate representation of where water will travel during a flood.

• TRIMR2D Computer Model — This computer program is called a flow model because it solves equations that detail the physics of fluid flow. TRIMR2D can compute equations for large areas, as well as ones that have fast flow shifts.

• Geographic Information System (GIS) — GIS is a cutting-edge technology that can be thought of as computer cartography. It pinpoints areas that are likely to be flooded, when the flood will occur, the potential water depth, and when the flood waters will peak.

WHAT TYPES OF FLOOD MAPS ARE THERE?

• Online — These are the most user-friendly flood maps. Simply go to FEMA’s digital service center, and type in your entire address. Their system will generate a highly detailed topographical on-screen flood map, along with a precise legend regarding your area’s flood risk.

• Paper — Paper flood maps specific to your community can be obtained at your local government’s zoning or planning office. One type of paper flood map is called a flat map, with multiple panels that you must assemble yourself. The other type is a one-piece Z-fold map, which resembles a folding road map.

CAN FLOODS BE PREDICTED?

They can, but not via flood maps. Prediction requires the following:

• Assessment of the amount of water falling, in real time.

• Observing the changes in the river’s height, in real time. This can foreshadow the potency of the danger and when it will hit a certain region.

• Ascertaining the storm’s duration, size and intensity. This can help predict the fierceness of a potential flood.

• Cognizance of such things as soil-moisture, ground temperature, snowpack and vegetation in forecasting a flood’s destructiveness.

WHAT TYPES OF FLOODS ARE THERE?

There are two types of floods: river floods and flash floods. As their name implies, flash floods cause greater loss of life because they leave their victims with little or no time to prepare or escape. River floods, on the other hand, typically cause more property loss because lives are spared but belongings are not. Most floods are caused by some sort of storm.

• Flash flood — This type of flood occurs when a storm’s runoff causes water height to swiftly rise. Flash floods typically happen in areas without enough soil or vegetation to obstruct the water.

• River flood — River flooding is triggered when runoff from severe rainstorms cause waters to slowly rise over a large area. They can also be caused by high tides or ice jams.

Flood maps are an excellent tool for increasing awareness of potential flood danger. They’re not perfect, though. Twenty-five percent of all flood claims are located outside of the “high risk” zones. At Neptune Flood of Pinellas Park, Florida, we offer affordable flood coverage that innovatively merges technology, math algorithms and insurance expertise. Please contact us to discuss how we can waterproof your life.

 

neptune flood, flood insurance

Flood Insurance Misconceptions

By | Flood Info

There are several misconceptions when it comes to flood insurance. With the threat of hurricanes as well as flooding, Neptune Flood wants you to be aware of these common misconceptions when it comes to insuring your home and its contents. Costly flooding can happen even without a hurricane, so it is best to be educated first.

You don’t want to make the mistake of not having enough insurance if your home is flooded, regardless of the reason. Being educated as well as being prepared for flooding can save you time, money, and frustration in the long run.

Misconception #1: Flood damage is covered by homeowners’ insurance.
Correct fact: Covered in a regular home insurance policy is damage from water leakage, a hole in the roof or a leaking pipe. Flood damage is NOT covered. The difference is that flood water is “rising water” and is not considered the same as what is covered under water damage. You need to have separate flood insurance to ensure that your home and its contents are protected in the event of flooding from storm surge or even rainfall that is torrential; separate insurance covers the home and contents in the event of flooding.

Misconception #2: The NFIP (National Flood Insurance Program) is the only place to buy insurance against flooding.
Correct fact: Private carriers can insure you as well. Neptune Flood is a private carrier who can offer a certified flood endorsement to ensure that everything is covered. Such things as mold damage, swimming pools, hot tubs, and temporary housing are not covered by the NFIP.

Misconception #3: Only those who live in a flood zone need high-risk flood coverage.
Correct fact: The actual fact is that flooding happens in all 50 states and is the most common type of natural disaster. Everyone across the country should be aware of flooding. In fact, one-third of disaster relief from floods goes to residents outside of high-risk flood zones. The FEMA website lists those in high-risk areas; however outside of those areas, as mentioned by FloodSmart, you may need to have additional insurance for flooding. Remember that it takes only an inch of water from flooding to incur thousands of dollars in damage. View the chart to see where there have been claims for flooding in the United States. You will learn that spring and fall storms, as well as torrential rains in the middle of the country, have caused major problems. Both Georgia and Tennessee have experienced this type of rain.

Misconception#4: Only storms cause floods.
Correct fact: Flooding can be caused by dams breaking as well as a difference in water flow above ground and below it. One example is flooding from snow melting.

According to FEMA, no home is completely safe from potential devastation from flooding. Even if your home is not in a high-risk flooding area, your mortgage lender may require that you have it.

Final Thoughts on Insurance for Flooding
That special shed that you built in the back of your house may not be covered by NFIP. Coverage can include this and any other unattached buildings. Your temporary living expenses are important if your home is flooded; that itself is a good reason to have coverage for this added expense.

At Neptune Flood, we want you to be prepared, with more of your assets covered in a policy that might include replacement cost, temporary living expense, basement contents, pool repair/refill, and detached structures. Higher limits of coverage can be included in your policy. With only a ten day waiting period, as opposed to 30 days under NFIP, it makes sense to investigate this insurance option. Our technology could save you some serious money, so it pays to look into our coverage for your home and surroundings if flooding occurs.

flooding, Neptune flood, flood insurance

Flood Water Health Risks

By | Flood Info

After a hurricane or flood has passed, you may be vulnerable to health risks from the flood waters. At Neptune Flood, we want you to be aware of what may be in the water that you are walking in, as well as drink. According to the Center for Disease Control (CDC), standing water poses a variety of threats to health which you know about.

Stomach Distress

If you eat or drink anything that has been contaminated by the water caused by flooding, you are vulnerable to diarrhea. Protection against such unwanted microbes includes:

  • Wash hands after coming in contact with flood water.
  • Do not let kids play in the water from flooding.
  • Wash kids’ hands frequently.
  • Toys that have been contaminated by the waters should not be played with until they are disinfected.

Wound Risks

Open wounds that have come in contact with the waters can become infected. You can protect yourself and your family by following these steps:

  • If you have an open wound, avoid exposure to the waters.
  • A clean and open wound should be covered with a waterproof bandage.
  • Wash wounds with soap and clean water to keep them as clean as possible.
  • Seek immediate medical attention if a wound is red, has swelling or is draining.

Other Health Effects

When the feet are wet or have been in the water for long periods of time, Trench Foot or Immersion Foot can develop. Although it is painful, this condition can be treated and, even better, prevented. Tingling, itching, pain, swelling, blotchiness, and cold skin may be symptoms.
To protect yourself, you should:

  • Dry and clean feet thoroughly.
  • Wear clean and dry socks.
  • Soak affected feet in warm water, between 102° to 110° F for five minutes.
  • Do not wear socks when sleeping.
  • Obtain medical attention promptly.

Having a wound as well may increase the possibility of infection. Check your feet daily for symptoms that are becoming worse.

Hazards From Chemicals

Because flood waters may have moved containers of chemicals or solvents from their usual storage areas, you should be aware of potential hazards.

Drowning

Water after flooding contains potential drowning risks for everyone, even the best of swimmers. Moving swiftly, water can also be deadly. Standing water that is shallow can also be a dangerous hazard for small children.

Vehicles can be swept away and do not provide protection from flooded waters; they can also easily stall out.

Electrical Hazards

Downed wires can be dangerous and should be avoided. Additionally, power should be turned off if water has been near electrical circuits and equipment. Do not turn it back on until electrical equipment and circuits have been inspected by a qualified electrician.

Follow any included directions for a portable generator for safety.

Insect Wounds and Animal Bites

The waters may contain animals, insects, and reptiles that have been displaced. Walking through water, you should be alert and, if possible, avoid contact. More information for dealing with bites from animals and insects can be found here.

Preventing Wounds

Since flooding waters can contain sharp objects or metal and glass fragments, care should be taken to avoid any objects that can cause a wound that might lead to infection.

Drinking Water

Water may not be safe for drinking. Before the disaster, you should have bottled water on hand as an emergency supply. Water with germs can sometimes be made safe to drink through boiling and disinfecting. However, if the water has been exposed to hazardous chemicals, it will still not be safe to drink.

These are some of the hazards and risks to think about after the advent of flooding. Before the flooding occurs, you should think about adequate insurance to replace items that may have been damaged or lost. Neptune Flood is here to help you with insurance that is backed by Lloyds, one of the largest insurance markets in the world. Maps and technology will help you find the right insurance for your area. With knowledge of avoiding risks and insurance from Neptune Flood, you can be prepared if any flooding does happen.