Navigating Flood Damage in Kentucky: Safety, Insurance, and Recovery
Severe flooding across Kentucky has resulted in significant property damage and tragic loss of life. Given that flooding is Kentucky’s most common and costly natural disaster, according to the Kentucky Energy and Environment Cabinet, it’s crucial for residents to understand how to protect themselves and their property. This guide outlines essential information on flood insurance, safety precautions, and recovery steps.
Understanding Flood Insurance in Kentucky
Many Kentucky residents may be unsure about flood insurance, including coverage and requirements.
Does Homeowners’ Insurance Cover Flood Damage?
No, standard homeowners’ insurance policies generally do not cover flood damage. Therefore, residents, especially those in flood-prone areas, should consider obtaining separate flood insurance.
Do I Need Flood Insurance?
While not mandatory for everyone, flood insurance is required for property owners in high-risk areas who have a mortgage from a federally regulated lender. It’s important to note that, as the Kentucky Energy and Environment Cabinet points out, over 20% of flood insurance claims originate outside of these high-risk zones. This highlights the importance of considering flood insurance regardless of your location.
How to Get Flood Insurance
To learn more about flood insurance and obtain a quote for the National Flood Insurance Program (NFIP), visit the FEMA website at floodsmart.gov.
What to Do After a Flood
If your property has been affected by flooding, the Kentucky Energy and Environment Cabinet offers the following recommendations:
Safety First
- Assess Safety: Before re-entering your home, it’s essential to consult with your local elected officials and the county Emergency Manager to ensure the area is safe. Turn off electricity and gas to prevent further hazards before entering.
- First Aid: Address immediate issues like covering holes, reinforcing sagging structures, and checking for leaks. Act quickly to minimize mold growth, as flood insurance typically does not cover mold damage if preventative actions are not taken.
Reporting and Documentation
- Report the Loss: Contact your insurance agent or carrier immediately to file a claim and inquire about advance payments.
- Document Damage: Create a thorough record of both structural and content damage. Take pictures and videos during cleanup to document the extent of the damage. Keep detailed records of damaged items, including descriptions, brands, models, serial numbers, and estimated ages.
Cleanup and Recovery
- Begin Cleanup: Dry out your home completely by lowering its humidity. Open doors, windows, closets, and cabinets, and use fans and dehumidifiers. Sort through contents, and discard debris.
- Protect Yourself: Floodwaters can carry dangerous contaminants. Any item touched by floodwaters should either be discarded or properly cleaned. Wear appropriate protective gear during cleanup.
- Plan Your Recovery: Consider the long-term implications. Discuss with your insurance provider the availability of Increased Cost of Compliance funding.
- Consult Local Officials: Collaborate with local officials to explore mitigation actions to prevent future flood damage. Inquire about available disaster assistance or mitigation grant funding.
For additional advice and information about flood insurance, you can view the PDF put together by the Kentucky Energy and Environment Cabinet or visit the FEMA website, floodsmart.gov.
