INTO
INTO IT
INTO IT YES. >> LAST MONTH SEPTEMBER WAS
NATIONAL PREPAREDNESS MONTH AND
WE SHOT THIS EARLIER BUT WE
WANT TO REMIND EVERYONE THE ONE
NATURAL DISASTER THAT IS MOST
LIKELY TO IMPACT US HAS TO DO
WITH WATER.
WITH WATER. WE TALKED TO A FEMA
REPRESENTATIVE TO REMIND US
WHAT WE SHOULD KNOW ABOUT THE
FLOODS AND FLOOD INSURANCE.
WE KNOW SEPTEMBER IS NATIONAL
PREPAREDNESS MONTH AND THIS WEEK
WE ARE TALKING ABOUT INSURANCE.
WE HAVE SCOTT FROM FEMA WITH US
. THANK YOU FOR BEING HERE.
THE MISCONCEPTION IS IF THERE IS
A DISASTER IN NORTH CAROLINA --
A DISASTER LIKE A NORTH
CAROLINA FEMALE WILL TAKE CARE
OF EVERYTHING BUT THAT IS NOT
THE CASE YOU STILL NEED
INSURANCE.
INSURANCE. THAT IS CORRECT THE DAMAGE TO A
TYPICAL HOME FAR EXCEEDS THE
INDIVIDUAL ASSISTANCE GRANTS
YOU MIGHT GET FROM FEMA.
IF YOU DON'T HAVE YOUR OWN
INSURANCE POLICY TO COVER ALL
THE DAMAGE YOU WILL BE LEFT
SHORT PAYING OUT-OF-POCKET.
>> WHAT KIND OF INSURANCE DO
YOU THINK WE NEED HERE?
A LOT OF PEOPLE MIGHT THINK
EARTHQUAKE BUT THERE IS MORE
THAN THAT?
THAN THAT? >> IN THIS AREA REPLACE A LOT
OF NATURAL HAZARDS.
EARTHQUAKES, VOLCANOES,
EARTHQUAKES, VOLCANOES, FLOODING.
FLOODING.
FLOODING. FLOODING BY FAR THE BIGGEST
DISASTER YOU AFTER YOU AS FAR
AS DAMAGE.
AS DAMAGE. FLOOD INSURANCE IS FIRST ON THE
LIST OF INDIVIDUAL INSURANCE.
>> Reporter: IS IN CONCERNING
EVEN THOUGH A LOT OF PEOPLE
LIVE IN THE FLOODPLAINS A LOT
OF PEOPLE DON'T HAVE FLOOD
INSURANCE?
INSURANCE? >> YES.
>> YES.
>> YES. CERTAINLY A TREND WE SEE AROUND
THE COUNTRY AMERICANS ON
AVERAGE ARE UNDERINSURED
ESPECIALLY FOR FLOOD HAZARD.
WE ARE NOT UNIQUE IN THAT
CIRCUMSTANCE BUT WE DO HAVE A
LOW RATE OF INSURANCE COVERAGE
FOR FLOODING.
FOR FLOODING. >> WHERE TWO PEOPLE START?
THERE IS A NATIONAL FLOOD
INSURANCE PROGRAM.
INSURANCE PROGRAM. >> THE NATIONAL FLOOD INSURANCE
PROGRAM OFFERS FLOOD INSURANCE
TO ANYONE REGARDLESS OF WHAT
FLOOD ZONE YOU LIVE IN, AS LONG
AS YOUR COMMUNITY PARTICIPATES
IN THE PROGRAM YOU ARE ELIGIBLE
TO BUY FLOOD INSURANCE
REGARDLESS OF WHAT HAZARD ZONE
YOU LIVE IN.
THAT WOULD BE A GOOD PLACE TO
START.
START.
START. YOU NEED TO TALK WITH YOUR
INSURANCE AGENT.
INSURANCE AGENT. LOOK AT YOUR HOMEOWNERS POLICY
NOW, THE PLACE TO START AND
HAVE THAT CONVERSATION FACE-TO-
FACE WITH YOUR AGENT.
TALK ABOUT THE RISKS YOUR HOME
FACES AND WHAT KINDS OF
COVERAGE ARE APPROPRIATE.
>> NOBODY LIKES PAYING EXTRA
MONEY, BUT IN THE END IT IS
DEFINITELY WORTH IT.
>> SURE BEATS TAKING OUT A
SECOND MORTGAGE TO REPAIR YOUR
HOME.
HOME.
HOME. BETTER TO HAVE A GOOD POLICY
THAT WILL COVER YOUR ACTUAL
DAMAGES.
DAMAGES.
DAMAGES. >> Reporter: FEMA IS THERE BUT
NOT THERE TO TAKE CARE OF
EVERYTHING.
EVERYTHING. IF SOMEONE WANTS TO GET STARTED
THEY SHOULD CALL THEIR
INSURANCE AGENT BUT ALSO IS HER
WEBSITE THEY CAN GO TO.
>> READY.GOV, A LOT OF
INFORMATION ABOUT INDIVIDUAL
PREPAREDNESS INCLUDING
PREPAREDNESS INCLUDING INFORMATION ON INSURANCE AND
WHAT KIND OF COVERAGES MIGHT BE
APPROPRIATE FOR YOUR HOUSE.
>> TIMELY FOR WHAT WE ARE SEEING
ON THE EAST COAST BUT ALSO
GETTING READY FOR FLOODING
SEASON HERE.
SEASON HERE. >> TRADITIONAL FLOODING SEASON
COMING UP.
COMING UP. NORMALLY HAVE WINTERTIME
FLOODING IN JANUARY AND AGAIN
IN THE SPRING. AROUND YOU
NORMALLY SEE IN OUR AREA.
BUT IT CAN HAPPEN ANY TIME OF
YEAR.
YEAR.
YEAR. >>
YEAR. >> ESPECIALLY HERE.
>> THANK YOU SO MUCH, REALLY
APPRECIATE IT.
APPRECIATE IT. >> THANK YOU.
>> WE APPRECIATE SCOTT DOING
THAT FOR US.
WE SHOT THAT A COUPLE WEEKS AGO
AND WANTED TO AIR FOR SEPTEMBER
BUT FLOODING SEASON IS UPON US.
>> ANOTHER THING TOO, THE IDEA
IF THERE WAS A FLOOD OR FLUSH
LEARNED HOW WOULD YOU
COMMUNICATE WITH YOUR FAMILY OR
IF THERE WAS AN EARTHQUAKE.
VERIZON HAS BEEN GREAT, THEY
GAVE US -- HAVE A COUPLE
FRIENDS, THEY GAVE US SOME
THINGS WE COULD MAKE YOUR
COMMUNICATIONS KIT WITH.
WE ALWAYS THINK OF WATER AND
FOOD SUPPLIES THE REAL THING IS
YOU DO IN YOUR PHONE IS DEAD
AND HOW DO YOU GET HOME IF IT
BRIDGES OUT. WE PUT TOGETHER
THIS COMMUNICATIONS KIT, A
WATERPROOFING THESE CHARGE YOUR
PHONE SO FAST.
IF YOU CAN'T GET TO A CAR
CHARGER.
CHARGER.
CHARGER. WE HAVE CHARGERS HERE AS WELL.
I COMMUNICATIONS KIT WE ARE
GIVING AWAY. ALL YOU HAVE TO DO
IS TEXT CRAB --