By Imma Sila
What is flood insurance? It is a risk management tool available to home owners and property owners to protect themselves in case a flood disaster happens and affect their property. Flood insurance is mostly purchased by individuals who have properties in areas with higher risks of flooding.
However, individuals who have properties in moderate to low risk areas are also advised to purchase flood insurance to be on the safer 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 e.g. during severe rain storms, poor drainage systems, broken water mains and many more. Some of the challenges brought about by floods include:
· Water related communicable diseases
The flood calamity brings about water related and vector borne diseases such as bilharzia, cholera, diarrhoea, and hepatitis E, which can be very fatal to man. These diseases are brought about when sanitized water systems get contaminated by breakage of sewer pumps and therefore water becomes unclean for drinking and home use as it can evoke fears of water related diseases.
· Destruction of property and crops
Floods as a natural disaster also cause massive destruction of property and crops. Home owners, property owners count many losses during such tragedies. Some Insurance companies advise their clients on the benefits of buying flood insurance which helps them rebuild their lives after the ordeal.
· Human and animal deaths
Floods also bring about loss of lives. Human beings and animals die as a result of this natural disaster. People that live along the lakes and rivers, people who live near the bottom of a hill or mountain are prone to the risks of being affected by floods. In addition to that, animals are swept away and die in the process when this calamity arises.
· Damage of infrastructure
Electricity and road transport are also interfered with as a result of floods. Movement from one place to another is made almost impossible. Electricity is in turn cut off. The government has to come with measures or rather arrangements to remedy this situation.
In conclusion, it is necessary to put in preventive measures especially if you live in flood prone areas. It is better to be safe than sorry. You should buy yourself a flood insurance policy to ensure you are covered when such a situation occurs or move to an area that is less prone to floods.
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