Spotlight on Flood

Q. What’s the most common—and most costly—natural disaster in the United States?

A. Flood.

Think about it: we’ve got hurricanes, we’ve got high tides, we’ve got rising rivers, winter thaws, plumbing disasters. And this year, even the parched West Coast runs a high flood risk, with anticipated El Niño storms.

And as if that wasn’t enough to provide you with insurance social media content for months, you also have the challenge of insuring for flood. Many of your clients may not be aware that standard homeowners (or renters, or condo, or business property) insurance policies do not include protection against flood damage. And they are almost certainly not aware of the 30-day waiting period required before flood insurance goes into effect.

That means flood is a rich opportunity for you to educate current clients, and to establish yourself as an expert in the eyes of future clients (and other social media followers). Here are a few examples.

  • Are local weather systems providing a framework for flooding? Follow weather and other news sources on your social media platforms so you can share updates with your followers, helping them to prepare for (and, we hope, prevent) water damage.
  • In some areas of the country, people may believe they’re not really at risk of flood. That’s where stats (like the great ones available from the National Flood Insurance Program) can give your social media a big boost. (For instance, did you know that 90 percent of U.S. natural disasters involve flooding?)
  • Speaking of flood risk, flood maps and flood zones can provide great fodder for your social media marketing, particularly if you focus on your local area.
  • Whether or not you sell flood insurance, you can help to inform your followers about its intricacies (including the 30-day waiting period).
  • Remember, you don’t have to focus exclusively on natural disasters. You can also branch out to general water damage, and offer tips to prevent it. Those are something every property owner or tenant can use! Remember to offer tips to prevent water from getting inside (for instance, cleaning out the rain gutters, installing water-tight barriers for basement windows, doors, and other openings, and landscaping to divert rain from buildings), as well as tips to prevent plumbing disasters inside.

There is a wealth of information available on flood risk and prevention of and recovery from water damage, so this is a great topic for busy insurance agents: you can take an hour or two and create a small library of flood-related posts that will be ready for you to pop onto your social media platforms when you need them—making it all the easier for your social media followers to view you as the resource and expert that you are!


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