Recent and continued threats of flooding, in many parts of the country, have business owners wondering what to do before and after a flooding disaster. Here are some tips and best practices to consider relative to flood coverage and recovery.
Before a flood
Remember flooding and other disasters can happen to any business at any time of year. Preparation is the key to mitigating your risk. Before a flood:
- Have an emergency communication plan in place. Pre-record a voicemail message and consider redirecting business phones to other lines or services.
- Have all employee, vendor and client contact information on hand.
- Locate gas mains and electrical shut-offs. Prevent floodwater from backing up into sewer drains; use plugs or install flood vents or flood-proof barriers.
- Identify meeting places and times for key employees.
- Review insurance policies to verify coverage, deductibles and sublimits, and update disaster recovery procedures.
Recovering from a flood
These five steps can help you to keep employees safe and get back up and running as quickly as possible:
- Notify employees and all critical stakeholders of next steps.
- Be aware of the safety of the community’s water supply and avoid floodwaters, which may be contaminated or may be electrically charged from power lines. Clean and disinfect all wet equipment.
- Be aware where floodwaters have receded as roads may have weakened.
- Implement your disaster recovery plan and monitor local authorities.
- Contact your insurance advisor if you have ingress/egress, civil authority, service interruption or direct physical damage impacting your locations.
Many aspects of flood mitigation and insurance depend on your unique circumstances. In the event of a flood, we want to help keep your employees safe, minimize property damage and get your business up and running faster. These additional resources can also help:
- FEMA provides steps for flood preparation and evacuation plans.
- MMA’s Planning for Disaster Recovery blog post offers many best practices for recovery.
- MMA’s training session on Disaster Recovery can help you get prepared
For assistance or questions regarding flood coverage or recovery, contact your local Marsh & McLennan Agency representative.