Here are some ways to ensure the protection of your dear ones and assets from flood 25^th April 2019

Floods are natural disasters that can happen unexpectedly, causing damage to property and putting lives in danger. Even while you can't always stop a flood from occurring, there are precautions you can take to safeguard yourself and your property from damage.

Personal accident insurance India does offer protection in an accident that leaves someone injured or dead. But buying a separate flood insurance policy to protect yourself and your property from flood damage will be ideal. Typically, this policy will cover flooding-related harm to your house, assets, and other property.

Let's look at a few guidelines to protect your loved ones and assets against flooding:

1. Know your risk
The first step in preventing floods from harming you and your belongings is to become aware of your area's flood risk. The likelihood of flooding varies from place to place depending on geography, elevation, and proximity to water sources. Consult the Flood Map Service Centre to determine your flood risk. You can contact your local government or emergency management office to learn about flood dangers.

2. Buy flood insurance
Getting flood insurance is one of the most crucial things you can take to safeguard your home against flood damage. You'll need a particular flood insurance policy to protect your property since standard homeowner's insurance sometimes doesn't cover flood damage. The National Flood Insurance Programme (NFIP) and private insurers offer flood insurance. It's important to carefully read your policy to understand what it covers and how much insurance you have.

3. Elevate your property
Consider elevating your home if you live in a flood-prone location to reduce the chance of heavy damage. Raising your house or property above flood level is called promoting it. It can be accomplished in many ways, including constructing a raised foundation or adding stilts or piers. You can reduce the cost of your flood insurance by elevating your home.

4. Safeguard important documents
Important papers, including insurance policies, forms of identification, etc., should be kept in a secure location in case of a flood. Store these documents in a position that won't likely be affected by flooding. Store them in a waterproof container, like a safe or waterproof bag. You can also make digital copies of your key documents and store them safely online or on a portable hard drive.

5. Install flood-barriers
By keeping water from entering your home, flood barriers can help safeguard your property against flood damage. Sandbags are typical flood barriers to build a wall against flood waters around your home. Another form of flood barrier that is quick and simple to install is a water-filled barrier. Levees or other permanent flood barriers can also be implemented, offering long-term protection against flood damage.

6. Stay informed
You can prepare for a flood and reduce the risk of damage by staying updated about flood alerts and advisories. You can sign up for alerts from emergency management agencies and follow local weather reports online. Follow local officials' advice and vacate the place if a flood warning is issued for your area.

7. Have an emergency plan
You and your family can stay safe in the case of a flood if you have an emergency plan in place. Your emergency plan should contain escape routes, emergency contacts, and a list of things you must take while leaving. To ensure everyone is prepared, practise your emergency plan with your family.

Protecting you and your property against flooding is essential to reduce damage and safeguard your well-being. By looking at flood maps and learning about the local flood history, you can estimate the risk of flooding. Additionally, an emergency plan should be created that details evacuation routes, contact options, and emergency supplies. In addition to personal accident insurance India, buy a separate flood insurance policy to protect assets from the flood.

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Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.