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Floods are one of the most recurring disasters across the world. It causes enormous socio-economic loss in the country. Not just monsoon season, it may hit the land at any time influenced by several factors.
Natural disaster management has set some rules as precautions of flood to safeguard the community.
Here is a detailed guide on dos and don'ts during flood catastrophes.
With climatic change and susceptibility to flooding, we often find a question viable on the internet: “what to do during floods?” Alongside, you should know what not to do as well during a flood.
Here is a list of dos and don’ts regarding safety precautions for floods.
Safety precautions for floods when it is about to hit your land are as follows:
As for safety measures during a flood, the government may instruct you to evacuate the home. In such circumstances, take the following flood safety measures.’:
As a precaution to be taken during floods, people residing in flood-prone zones should buy flood insurance or home insurance covering damages caused by the flood. It covers:
Insurance coverage is applicable when your house or property is damaged due to the following reasons:
Awareness, adopting safety measures, and obeying Government rules is the right decision during natural disasters, including floods. Keep calm and be patient; follow the dos and don’ts as early as possible. Take necessary precautions of flood based on the forecasted severity.
The Mississippi River flood is the most significant flood of the world that took place in 1927.
Rain, snowmelt, deforestation, climatic change, and river overflow are significant reasons for floods.
Flood has three major stages; minor, moderate, and major.
After the initial stage of a flood follow these precautionary measures:
Floods may occur at any time of the year considering weather conditions and geographical conditions of a location. In India, floods typically occur during and after the monsoon season. Heavy rainfall within a short period can cause flood.
Most insurers now allow paperless claims to be submitted through mobile apps or email. It’s smart to store soft copies of your life insurance policy, ID, and hospital bills in cloud storage like Google Drive so you can access them even if physical documents are lost.
Yes, term insurance covers death due to natural disasters like floods. If you die in a flood-related accident, your nominee will get the full sum assured. But ensure your term insurance policy is active and premiums are paid on time, else the claim might be rejected.
Yes, most health insurance policies cover waterborne diseases like typhoid, cholera, or infections caused by floodwater. Just ensure your health insurance policy is not in the waiting period, and you get treatment from a hospital in the insurer's network to reduce out-of-pocket costs.