We’ll Make A Difference In Your Insurance Program

Security Verification

El Niño Preparedness: Do you Need Flood Insurance?

After years of drought conditions in California and the outbreak of recent wildfires, the odds of flooding are of great concern due to El Niño forecasting. Unfortunately many business owners assume that a flood will be covered by their standard property insurance policy, but this is not the case. Flooding is actually the number one disaster in the United States and is not covered by property insurance.

Vital Statistics:

  • 93% of natural disasters are caused by flooding.
  • The average commercial flood claim between 2010 and 2014 cost $89,000.
  • 25% of businesses that close after a flood never reopen.
  • 27% of flood damage affects non-flood zone rated areas.

It’s important to bear in mind that anywhere it rains, it can flood. This flooding can be caused by anything from clogged drainage systems to rapid accumulations of rainfall; conditions that we expect to see this winter. To obtain flood coverage for your building and contents through the National Flood Insurance Program (NFIP), call PMIS today at 855.622.8297. New policies require a 30-day waiting period before they go into effect; call today!

Here are some recommendations for the preparation and management of the aftermath of flooding, from the City of Claremont’s El Nino Handout.

Before a Storm:

  • Evaluate your Manufacturing Flood Insurance
  • Obtain sandbags ahead of time.
  • Clear rain gutters and drains outside the building.
  • Have an emergency plan and post where employees can easily see it in case of emergency.
  • Monitor media outlets for information on weather conditions and flooding.

During a Storm:


  • Avoid areas subject to sudden flooding.
  • Stay back from rushing water and do not walk through flooded areas.
  • If you come upon a flowing stream where water is above your ankles, STOP! Turn around and go another way.
  • Stay away from downed power lines and electrical wires. Electric current passes easily through water.
  • Monitor media outlets such as radio, television, and the Internet for information concerning weather conditions and flooding in your area.


  • Take dry or waterproof clothing if possible, a flashlight, and a portable radio with you. Then, wait for help.
  • If you are stranded and surrounded by water, do not try to swim to safety; wait for rescuers to come to you.
  • Look out for animals – especially snakes- as they tend to be misplaced from their natural habitat after a storm.

After a Storm:

  • Check your business for water damage.
  • Make immediate repairs.
  • Inspect and clean rain gutters and drains.
  • Inspect sandbag locations and condition. Replace as needed.

While providing comprehensive Manufacturing Insurance products for your industry is a large part of what we do at Precision Manufacturing Insurance Services (PMIS), our core value is to protect the future of manufacturing. These helpful tips can ensure your business is prepared for the coming weather in order to protect your assets. To learn more about our various other products and services, contact our experts today at (855) 910-5788.


Contact Us Today

Give us a call at 626.217.9000 and start enjoying the peace of mind that comes from knowing you are insured by manufacturing specialists.