What to Look Out for Before Flood Damage Occurs


7 min read · May 13, 2022

A flood can be a devastating event, and it’s important to be prepared for one before it happens. This blog post discusses ten things to do in the days and weeks leading up to a flood. You can minimize the risks and damage that a flood can cause to your home or business by taking these precautions.

1. Know Your Flood Zone

It’s important to know your flood zone. This information can help you determine the level of risk that your property faces from flooding. The FEMA website has a tool that allows you to enter your address and find out your flood zone. If you’re in a high-risk area, it’s important to take extra precautions to protect your property from flooding.

2. Get Coverage

If you live in an area prone to flooding, it’s also a good idea to get flood insurance. This policy will cover the cost of damages caused by flooding up to your selected limit. There are different covers available, so make sure you choose one that best suits your needs.

Neptune Flood can help you find the right insurance cover for your needs and budget. We have a wide range of policies to choose from, and our team of experts can help you find the one that’s right for you. Get in touch with Neptune today to learn more about our flood insurance policies. We’re here to help you protect your property from the devastating effects of flooding.

3. Know the Warning Signs

It’s also important to be aware of the warning signs that a flood is imminent. These can include heavy rains, rising water levels, and flooding of nearby areas. If you see any of these signs, it’s important to act immediately to protect your property from flood damage.

4. Document Your Property

If you live in an area prone to flooding, it’s a good idea to document your property. This can help you prove the value of your belongings if they’re damaged or destroyed by a flood. You should take photos or videos of your belongings and keep receipts and other documentation safe.

5. Protect Your Belongings

It’s important to take steps to protect your belongings before disaster strikes. This can include moving valuable items to higher ground or placing them in waterproof storage containers. By taking these precautions, you can minimize the risk of damage to your belongings in the event of a flood.

6. Prepare an Emergency Plan

Despite many property owners underestimating the need to have a plan, an emergency plan is an important step before a flood hits. This should include an evacuation route and a list of essential items and contacts, including Neptune Flood contacts you’ll need in the flood. You can be prepared for the worst-case scenario by having a plan in place.

7. Stay Informed

It’s important to stay informed about the latest weather conditions and forecasts in the days leading to a flood. This information can help you make decisions about whether to evacuate and what precautions to take. You can find the latest weather conditions and forecasts on the National Weather Service website.

8. Evacuate Early

If a flood is imminent, it’s important to evacuate early. This will give you the best chance of avoiding floodwaters. It’s also important to follow the evacuation route planned out in advance. By evacuating early and following your plan, you can minimize the risk of being stuck in your property during flooding.

9. Plan Your Temporary Living Accommodations

If disaster strikes while you are still home and you need to evacuate, it’s important to plan where you’ll spend the night and even days. This can be with friends or family, at a hotel, or a shelter. Neptune Flood can help cover the cost of accommodation, such as a hotel, if you need to evacuate due to flooding with Temporary Living Expense coverage. Having a plan in place can minimize the stress and anxiety associated with evacuating.

10. Set up an Emergency Kit

Lastly, if you live in an area prone to flooding, setting up an emergency kit is a good idea. This should include essential items like food, water, and first-aid supplies. You will also want to include flashlights, batteries, and a radio. You can be prepared for the worst-case scenario by having an emergency kit on hand.

Why Have a Flood Insurance Before a Flood Happens?

Flooding can happen anywhere in the world, at any time. It is an issue that should not be taken lightly, as it can cause a lot of damage to your home and belongings. Consequently, it would be best if you had a flood insurance policy in place before a flood happens for eight main reasons:

1. Avoid Blackout Periods

Unfortunately, once a storm warning is issued, insurance companies typically discontinue issuing new insurance policies to the affected area in the storm’s expected trajectory. This period is called a moratorium. Don’t wait until a storm is approaching to consider or attempt to finalize your flood insurance policy. It’ll be too late to obtain the coverage you need.

2. Recover Financially

A Neptune Flood insurance policy can help you recover from the financial devastation caused by flooding. We have different coverage options depending on the needs of the policyholder. Also, Neptune offers optional coverages for things like temporary living expenses.

3. Homeowner’s Insurance Does Not Cover Flooding

Homeowners’ insurance does not cover flood damage. So, if you live in a high-risk area and don’t have a separate flood insurance policy, you could be left paying for all the repairs and replacement out of your pocket.

4. Get Help Quickly

If a flood damages your home, Neptune will work quickly to help you get your life back to normal. We have a team of experienced experts ready to help you through the claims process. We also offer a 24-hour claims process so that you can get the help you need when you need it.

5. Insurance Cover Can Be Cheaper to Cost of Repair

A flood insurance policy is relatively affordable compared to the cost of repairing or replacing your property and belongings after a flood happens. Save yourself the agony of paying out of your pocket by opting for a Neptune insurance policy.

6. Floods Can Happen Anywhere at Any Time

It’s important to remember that floods can happen anywhere. You may be low-risk, but that does not mean NO risk. With climate change affecting areas that have never seen flooding before, it’s important to have a flood insurance policy.

7. Flood Damage Can Be Severe

A flood can damage your property and belongings far beyond what you would expect. The damage caused by a flood can be so severe that it leaves your home uninhabitable. It’s essential to have a policy that will cover the cost of repairs and replacement or complete evacuation.

8. Peace of Mind

Lastly, knowing that you have insurance can give you peace of mind. If a flood does occur, you’ll know that you’re covered financially. This can help ease some of the stress and anxiety that comes with the damage that comes from flooding.

Why Choose Neptune Flood Insurance Before a Flood Happens

Most people only think about it after a major storm or flooding event has already occurred when it comes to insurance. Unfortunately, this can be too little, too late, as the damage done by a flood can often be extensive and costly. Thus, you should choose Neptune over other flood insurance companies before a flood happens for five reasons:

1. Enjoy Comprehensive Protection Plans

If you’re looking for comprehensive protection against flooding, Neptune is the right choice. Neptune provides up to $4,000,000 in coverage, well above the $25,000 the government’s NFIP covers. This means that you can choose the level of coverage that best suits your needs. We also have a variety of optional coverages that you can add to your policy, such as temporary living expenses.

2. Accessible 24/7 Customer Support

We understand that floods can happen at any time, so we offer 24-hour claims service. You can also reach our team of experienced experts by phone, email, or live chat. We’re here to help you through the claims process so that you can get your life back to normal as quickly as possible.

3. Benefit from Team of Professionals

Neptune Flood has a team of experienced licensed professionals ready to help you with all your flood insurance needs. From finding the right policy for you to filing a claim, we’ll be there every step of the way.

4. Neptune Flood is Legitimate

Many fly-by-night companies try to take advantage of those affected by floods. Neptune has been a legitimate company since 2016 helping over 120,000 people with their insurance needs.

5. Enjoy Transparency and Peace of Mind

We are committed to providing our customers with the best possible service. This is why we offer complete transparency regarding our policies and claims process. Neptune also has a positive rating from the Better Business Bureau, which means you can trust us to provide quality service.

Contact Us

If you live in a high-risk area for flooding, it’s important to have flood insurance before a disaster strikes. Neptune is here to help you before, during, and after a flood. We offer comprehensive coverage plans to choose the level of protection that best suits your needs. Our team of experts is ready to assist you through every step of the claims process. Why wait until it’s too late? Contact Neptune Flood today and get the protection you need before a flood happens, as well as learn more about our flood insurance policies and how we can help you protect your home and belongings from flooding.