A flood is a catastrophic event that results in permanent loss to personal items, homes and, more often than not, financial well-being. Many that are insured are surprised when they find out they were not adequately covered for many common losses. This article outlines simple steps you can take to ensure that you and your clients are properly covered, and avoid the anger and sting associated with unexpected losses. The slideshow above includes nine tips for property owners who want to be sure they are fully covered by their flood insurance. It's important to protect what you've worked so hard to build. Don't let simple mistakes or oversights cause you or your clients more stress — and financial loss — during a flood event. Jim Albert ([email protected]) is founder and chairman of Neptune Flood in St. Petersburg, Fla. These opinions are his own. Also by this contributor:

• How changing climate patterns affect insurance agencies
• Flood Insurance 101: What agents need to know
• 4 reasons why digital is perfect for flood insurance
• Logic should lead in flood protection