4 fast tips to prepare for flood season

Recent reports predict that the Midwest could possibly experience a flood season on top of dealing with the coronavirus pandemic. Garden Center spoke with expert John Hodapp to learn how IGCs can prepare for inclement weather.

Garden Center: What steps can independent garden centers take to protect their businesses from possible floods?

John Hodapp: If you haven’t already, talk with your insurance agent about flood insurance. About 20% to 25% of floods occur in locations considered to be at low risk for a flood, yet most businesses only purchase it if their lender requires it. While low-risk areas account for nearly a quarter of all floods, coverage in these areas tends to be more affordable, making it even more surprising that businesses forgo flood coverage.

You should also back up your business’s computer files, including accounts receivable records, and store the backups at a location separate from your business.

If your IGC is in an area where floods happen frequently, you may consider additional efforts. Less disruptive strategies may include installing flood openings and moving electrical panels, water heaters and HVAV systems to higher levels — especially if they’re in a basement. More disruptive steps could include elevating your building, filling in basements, or relocating to a less flood-prone area altogether.

Finally, establish a well-defined safety protocol in the event of a flood, and be sure your employees know what to do. If someone is trapped in a building, they should go to the highest floor, but never an enclosed attic. Anyone in a vehicle should abandon it immediately. And most importantly, if it can be avoided, don’t walk, drive or swim through flooded areas.

GC: What is the No. 1 thing IGC owners should prepare for in a time of crisis (weather, disease, etc.)

JH: The number one thing you should do is create a disaster recovery plan for all potential crises. Once a plan is in place, regularly update and practice it. Include steps and resources concerning every key area of your business. Is your data stored properly? What insurance coverages do you have? Do you have a communication plan in place? These are only a few of the many questions your disaster recovery plan should answer.

GC: If flooding occurs, how can IGCs repair the damage, especially with the current coronavirus crisis going on?

JH: If your IGC has flood insurance, claims adjusters may have information regarding which contractors are operational, prepared and equipped to repair flood damage. The current coronavirus crisis is an unprecedented event, which means repair delays are possible. Still, the sooner you submit a claim, the more efficiently claims adjusters can assess the situation and determine any financial reimbursements required for repairs.

GC: Additionally, if a flood happens, how can IGCs better prepare for the future to make sure damage is minimized?

JH: Hazards resulting from floods are high-risk and complex. Don’t add more risk by allowing your regular employees, who are likely untrained in flood recovery, to manage those hazards. Hire properly insured experts to evaluate the area and determine when it’s safest to de-escalate potential hazards. Common steps professionals take include disconnecting electrical equipment, removing standing water and ventilating the area.

The faster you communicate and get professionals on-site, the better your chances are of minimizing structural damage, rust and mold.