Why floods are a signifcant hazard in Oregon

Did you know that flooding can occur anytime and anywhere in Oregon. Floods can arrive within minutes or over a period of time. They can roll boulders the size of cars, destroy buildings and bridges, and take human lives.

To acknowledge National Flood Safety Awareness, which runs from March 12 through the 16th, we want consumers to know that while personal and commercial insurance won?t cover them against flooding, they can protect their home and business by purchasing a flood insurance policy separately through us, your local Portland insurance broker. Per Floodsmart.gov, flooding is the United States? #1 natural hazard.

Many people are under the misconception that they are ineligible for flood insurance because of where they live, their mortgage status, or where their business is situated. The truth is, as long as your hometown is an NFIP community, most homeowners, business owners and renters can get flood insurance. We urge consumers to remember the flood insurance basics:

• You CAN get flood insurance in Oregon.
• You CAN get flood insurance if you live in a floodplain or high-flood-risk area.
• You CAN get flood insurance if you live outside a floodplain, or a low-to-moderate flood-risk area ? and at lower cost.
• You CAN get flood insurance if your property has been flooded before.
• You CAN get flood insurance even if your mortgage broker doesn?t require it.

Here are a few safety tips:

• If flooding occurs, move to higher ground immediately.
• Do not allow children to play near high water, storm drains or ditches. Hidden dangers often lie beneath the water.
• Flooded roadways can have significant damage hidden by flood waters. Never drive on a flooded road.
• Do not camp or park your vehicle along streams or washes, particularly when threatening weather conditions exist.
• Be especially cautious at night when it is harder to recognize flood dangers.

Additional information about Flood Safety Awareness Week is available at:
www.weather.gov/floodsafety

Please contact us at 503-296-0077 if you would like us to provide you with a flood insurance review.

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Source: http://www.lacoinsurance.com/personal-insurance/why-floods-are-a-significant-hazard-in-oregon/

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