Miami University – Liberty Mutual

Liberty Mutual

A message from Liberty Mutual Insurance

Do You Need Flood Insurance?

By Dennis Goebel, Vice President, Liberty Mutual Insurance Company

Do you think you need flood insurance only if you live near water? Think again. Floods can be caused
by heavy rainfall, melting snow, clogged drainage systems and broken levees. All it takes is a few
inches of water to cause major damage to your home and belongings.

So don’t get caught off guard. If you think you’re at risk, consider protecting your home with a flood
insurance policy. Although Liberty Mutual’s home and renters policies do not cover flood losses, you
can purchase flood insurance through FEMA’s National Flood Insurance Program. To find out more
information on coverage and premiums, visit or contact your Liberty
Mutual sales representative for assistance.

In the meantime, take these steps to protect your home from flood damage:

  • Safeguard your important documents in a waterproof container.
  • Keep gutters clear of debris.
  • Landscape with native plants and vegetation that resist soil erosion.
  • Leave the basement floor unfinished.
  • Raise your washer, dryer, water heater, oil tank, furnace and electrical wiring at least a foot above your home’s projected flood elevation.
  • Install and maintain a sump pump.
  • Install backflow valves and standpipes to prevent backed-up sewers.
  • Install flood shields for basement windows and doors.
  • Plan and practice a flood evacuation route with your family.

Keep in mind that there’s a 30-day waiting period from date of purchase before a flood policy goes into effect. So don’t delay and buy flood insurance today!

Liberty Mutual is a responsible company that delivers expert advice and caring service. For more information, please call 1-800-524-9400 or visit

Coverage underwritten and provided by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA 02116. ©2012 Liberty Mutual Group. All rights reserved.

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