What is flood insurance? It is a risk management tool available to home and property owners to protect themselves should a flood disaster strike and affect their property. Flood insurance is purchased primarily by people who own properties in areas with higher flood risks.

However, people who own property in moderate to low risk areas are also advised to purchase flood insurance to be on the safe side. This is because floods are a natural disaster that can happen anywhere and at any time. Floods can arise as a result of various situations, for example during severe storms, poor drainage systems, broken pipes and many more. Some of the challenges caused by flooding include:

Water-Related Communicable Diseases

The calamity of the flood causes water-related and vector-borne diseases such as schistosomiasis, cholera, diarrhea and hepatitis E, which can be very deadly to man. These illnesses occur when disinfected water systems become contaminated by broken sewer pumps and thus the water becomes impure for drinking and domestic use, as it can lead to fears of water-related illnesses.

Destruction of properties and crops.

Floods as a natural disaster also cause massive destruction of property and crops. Homeowners, property owners count many losses during such tragedies. Some insurance companies advise their clients of the benefits of purchasing flood insurance to help them rebuild their lives after the ordeal.

Human and animal deaths

Flooding also causes loss of life. Human beings and animals die as a result of this natural disaster. People who live along lakes and rivers, people who live near the base of a hill or mountain are prone to risks of being affected by floods. On top of that, the animals are swept away and die in the process when this calamity arises.

Infrastructure damage

Electricity and road transport are also affected by the floods. Movement from one place to another becomes almost impossible. In turn, the electricity is cut off. The government has to come up with measures or rather arrangements to remedy this situation.

In conclusion, it is necessary to implement preventive measures, especially if you live in areas prone to flooding. Better to be safe than sorry. You should purchase a flood insurance policy to ensure that you are covered when such a situation occurs or move to an area that is less prone to flooding.

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