What insurance experts recommend when flooding is a major hazard year round

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NASHVILLE, Tenn. (WKRN) — Flooding is something that can happen at any time of year in Middle Tennessee including during the summer months. 

If you want to see how devastating flooding can be, simply look back at the month of February. It was the wettest February on record and flash flooding and river flooding were the results of this deluge of rain. Four people in Tennessee lost their lives due to flooding, one of those fatalities was a woman in Cheatham County. The historic floods of 2010 are also a good reminder of the power of water.

It’s not just your safety that you have to consider when it comes to flooding. In the aftermath of both flash flooding and river flooding, many homes are left uninhabitable.

We spoke to insurance expert Mike Gulla, the Director of Underwriting at Hippo Insurance, about what to do when water makes its way into your home. The first thing you should do is look into where you live and determine whether or not flooding is something that may impact you in the future. Taking out a separate flood insurance policy may be a necessity depending on where you live.

“Understanding where you live and whether or not you are in a flood plain, to make sure that you have the proper coverage. The problem there is that a lot of people don’t realize the insurance products that they need and they’re trying to save money and drive down costs of the products that they have to pay for. Unfortunately, flooding is not something that’s commonly covered in a normal home insurance policy,” says Gulla.

If your home becomes inundated with water, Gulla recommends leaving your home if it’s unsafe and contacting your insurance company as soon as possible.

“First and foremost is to make sure that your family is safe. If you need to vacate your house, get out of your house. Make sure your family is taken care of. Immediately try to get in touch with your insurance company. The more information they have and the faster they have it, the easier and smoother the claims process is going to go because they’re going to be able to expedite exactly what you need.”

Other summer weather hazards that you have to watch out for include wind damage, wind-driven rain, and tornadoes. Gulla recommends taking a look at your insurance and making sure that you have enough coverage for any damage that may occur. During the summer months, Gulla also emphasizes the importance of maintenance. A well cared for home is less likely to suffer from damage when inclement weather rolls through.

Click here for complete coverage of News 2’s special reports on Summer Weather Safety Day. 

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