Preparedness is key

Although it may be impossible to stop a flood from occurring, taking the proper precautions can limit the devastation.

Several measures can be taken before a flood occurs. The first is having sufficient emergency supplies. "Everybody should be able to take care of themselves for 72 hours," said Rosalind Crook, disaster services program coordinator of Whatcom County's chapter of the American Red Cross.

In emergency situations it may take up to three days for help to reach you.

The Red Cross suggests that families have a disaster supply kit. Included in the kit should be:

• one gallon of water per person per day
• non-perishable foods that do not need to be cooked
• a first aid kit containing bandages, tweezers, scissors, antiseptic, soap, latex gloves, toilet paper, personal hygiene items and sunscreen
• any prescription drugs needed by family members
• a took kit containing battery operated radio, a flashlight, batteries, matches, a signal flare and a whistle
• a complete change of clothing for every family member including rain gear and boots
• any special items such as baby food, diapers, glasses or contact lense supplies

Talking with your family about your disaster plan is also important. Discuss where to meet in case of an evacuation, what the emergency phone numbers are and how to shut off water, gas and electricity at the main switches.

Insurance agent Debbie Applegate of Oltman Insurance Inc. recommends purchasing flood insurance if you live in an area where flooding is a possibility. Local insurance agencies or the Whatcom County Division of Emergency Management can help you determine if you need flood insurance. "There are maps that have identified certain areas by degrees of risk," Applegate said.

A standard homeowner's policy will not protect you from flood damage. "Homeowner's policies exclude floods," said Scott Richardson of the Washington Insurance Council.

Because the government runs flood insurance programs, rates do not change between insurance companies. "The rate is the same no matter where you go," Richardson said. Buying the insurance before you are in danger of being flooded is vital because there may be a waiting period to obtain insurance and damages from a flood in progress are not covered.

The simplest advice on how to avoid the inconveniences and heartache of a flood may not be an option. "Don't live in a flood area," said Crook. If you do, and even if you don't, be prepared.

-- Kasey Halmagyi