Floods are the most common and widespread of all natural disasters, with many American societies experiencing some degree of flooding after spring rain, winter washing, or heavy thunderstorms.
Most floods develop slowly over a period of days, but flash flows are different and evolve as walls in a matter of minutes, often due to intense storms or a dust failure. Flooding can create conditions that are favorable for a fire to occur, either by causing it or by preventing efforts to combat it. While electric fires may occur for various reasons, including circuit overload and faulty wiring, flood water increases fire hazard through short circuiting in electrical wiring and electrical equipment.
- Have a plan to answer
- Share your flood plan with employees.
- Get flood protection at sufficient limits.
Before a Flood occurs:
Plan in advance so that you do not become devoid of protection in the event of a flood.
- Identify if your building is in a flood plan. Your local emergency management office can help you and FEMA flood zone maps are also available online to the public.
- Learn the height of your building in relation to streams, rivers and ponds as well as flood history in your area. [1
- Ensure that a sufficient number of portable fire extinguishers are available.
- Inspect your building for areas that may be flooded. If a flood watch is issued, you should take these precautions while taking into account your safety and your customers 'and employees' observations:
 Move stored goods from the floor.
- Move records, computers and other electronic products to a protected area in the facility or in place if possible.
- Turn off dangerous processes.
- Move or retrieve containers that hold flammable and flammable liquids and compressed gases in a safe place.
- Turn off all open flames and shut off the main gas valve.
- Protect fire retardants from damage during a flood. Barriers should be in place to protect against liquid materials that rise and damage the sprinkler system components, such as pipelines and risers.
Post flow event:
After a flood, contact your insurance agent or carrier and then make a damage assessment as soon as the area is safe to enter.
- Start saving operations as soon as permits permit, with pumps designed to remove water from basements. Rubbish, both inside and outside, should be removed immediately.
- Make efforts to check if any washes that may have undermined roads, buildings, water networks and gravity service stations.
- Report downloaded power lines to the appropriate tool.
- Be careful about the power lines that have been turned down. Avoid them until a qualified professional has evaluated them and considered that the area is safe.
- Inspect, repair and immediately restore fire protection systems and equipment.
- Clear drains of debris.
- Remove any fire debris from any debris that can prevent fire department.
- Clear fire exits from debris and flood barriers. The fire decommissioning plan may need to be re-evaluated to meet flood damage.
- Monitor all use of generators close to each other to prevent further risks being created.
- Do not install equipment that has been flooded until it has been properly cleaned, dehydrated and tested for insulation.
This loss control information is only advisory. The author takes no responsibility for the management or control of loss control activities. Not all exposures are identified in this article. Contact your local Independent Bolder Insurance Advisor for coverage advice and policy.
Extensions described here are in the most general terms and are subject to current policy conditions and exclusions. For the actual coverage form, terms and exclusions, see the policy or contact your independent bail insurance adviser.
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