What to Do if a Flash Flood Hits Your Florida Home

Flash floods can happen with little warning, especially during Florida's rainy season. When they strike, they can bring water levels up quickly and cause serious damage to homes, vehicles, and property. Here's what Florida homeowners should do before, during, and after a flash flood to stay safe and protect what matters.

Before the Flood: Prepare Ahead

While this article focuses on what to do during and after a flash flood, a little preparation can make a big difference:

• Make sure your flood insurance is current. Standard homeowners’ insurance does not cover flood damage.
• Keep important documents in a waterproof container or upload digital copies to cloud storage.
• Know your flood zone and sign up for local emergency alerts.

During the Flood: Stay Safe

If a flash flood warning is issued in your area:

1. Move to higher ground immediately.

Floodwaters can rise fast. If you're home, go to the highest level that is still safe. Avoid going into a closed attic unless you have a way to signal for help.

2. Stay out of floodwaters.

Just six inches of water can knock a person down. A foot of water can move a car. Do not try to walk or drive through it.

3. Shut off electricity if it is safe to do so.

If water is rising inside your home, turn off power at the breaker box, but only if you are not standing in water. Never risk electrocution.

4. Keep emergency supplies nearby.

Have flashlights, a portable phone charger, clean water, and a battery-powered weather radio ready.

After the Flood: Protect Your Property

1. Do not enter your home until the authorities say it is safe.

Flooding can damage your home's foundation and electrical systems. If you must go inside, wear protective gear and avoid contact with outlets or switches.

2. Take photos and videos of the damage.

Document everything clearly before you begin cleaning up. This will help support your insurance claim.

3. Call your insurance agent right away.

The sooner you report your claim, the sooner the process can ger started. An experienced agency, like Sterling Meadows Insurance, can help guide you through the next steps and make sure your claim is handled correctly.

4. Begin drying out your home to prevent mold.

Remove wet items as soon as it is safe to do so. Mold can begin growing within 24 to 48 hours.

5. Be cautious of scams.

Only hire licensed professionals and request written estimates before starting any repairs.

Final Tip: Review Your Coverage

Flood insurance through the National Flood Insurance Program (NFIP) takes 30 days to take effect. If you are not currently covered, now is the time to explore your options.

Private flood insurance is also available and may offer higher limits, shorter waiting periods, or additional coverage features depending on your needs.

If you have questions about your policy or want to make sure your home is fully protected, we are here to help.