Flooding can occur during any season in Michigan. Planning in advance can afford you extra critical time when a flood is coming, and can help you increase the odds of protecting your valuable documents, your real estate and your personal property - including cherished belongings. Developing a flood plan is one of the advance methods your family, business or community can put together to help you respond quickly in the event of a flood near your property. A "rapid-response" plan can be as simple as a one-page plan that answers the following questions:
- How will we find out about a coming flood?
- At what river level does our property begin to flood?
- How can we prepare for floods?
- How will we learn about evacuation orders?
- What access roads can we use to evacuate in the case of rising waters?
- What steps should we take to prepare our property?
- Where should our family meet if we are separated during a flood event?
- How do I keep my family safe during a flood?
- What other considerations should I make?
- What is the difference between a "watch" and a "warning"?
- Why should I consider buying flood insurance?
- Is flood damage covered by my homeowners insurance?
- Where do I get flood insurance?
- Is there a waiting period before my flood insurance policy becomes effective?
- Do I need to live in a floodplain to get flood insurance?
- Is water back up in basements covered by a flood insurance policy?
- Can I get coverage for water back up in basements?