Insights and tips on how to protect your inn or bed & breakfast, giving you and your guests peace of mind.

Ward, Hayden
/ Categories: BLOG Articles

Prepare Your Inn from Flooding With These Tips

Bed and breakfast flooding

It only takes an inch or two of water to cause major property damage. Floods are one of the most common natural disasters in the United States. Even small streams, gullies, creeks, culverts, dry streambeds, or low-lying ground that appear harmless in dry weather can cause big problems when it floods.

Natural disasters can have severe impacts not only on your physical property, but they may also directly affect your business operations (including weeks without guests or rescheduling major events) and lengthy, costly repairs. It is an unfortunate fact that one in four businesses that shut down due to a natural disaster never reopen.

Flood Causes

In the past five years, all 50 states have experienced floods. Property damage due to flooding total averages more than $3.5 billion annually. While floods have many causes and can occur anywhere, some of the most common events that lead to flooding include:

• Storm surges in hurricane-prone areas

• Flash flooding from intense rainfall

• Mountainside or hill mudslides caused by heavy episodes of rain

• Snowmelt produced from the frozen ground’s inability to absorb excess water

• Urban development (e.g., construction, ground paving)

FEMA New Risk Rating 2.0

If you own property in an area prone to flooding, you should anticipate flood insurance market changes as extreme weather events are predicted to increase in frequency. The Federal Emergency Management Agency (FEMA) has released an updated Risk Rating 2.0. The new system takes into account more variables including:

  • Your property’s distance from water
  • How frequently the area floods
  • The type of foundation on your property
  • Cost to repair your property

Preparation is Key 

Heavy rains can severely damage or destroy properties. Therefore, you, your employees and your guests need to be prepared if flooding does occur. Use the following guidance to stay safe and limit potential damage in the event of severe flooding.

When a Flood Watch Is Issued

  • Move your furniture and valuables to higher floors or elevated areas within the Inn.
  • Fill your car's gas tank and property-owned vehicles, in case an evacuation notice is issued.

When a Flood Warning Is Issued

  • Gather emergency supplies and fill bathtubs with clean water.
  • Tune your radio to weather updates, disaster directions and signals.
  • If you must evacuate, take only essential items with you.
  • Move to higher ground—stay away from rivers, streams, creeks and storm drains.

After a Flood

  • Throw away food that is not safe to eat and use bottled water until the local authorities have determined that tap water is safe to drink and to use for cooking.
  • Stay away from damaged buildings and structures.
  • Do not touch fallen power lines.
  • Do not turn on your power until a qualified electrician has determined that it is safe to do so.
  • Wear protective clothing when handling hazardous materials or cleaning up mold.

Secure Proper Coverage

Don’t get washed away this hurricane season. Let us help you protect your Inn and mitigate potential risks. To learn more about protecting your business through CBIZ Innkeepers Insurance, connect with a member of our team.

This blog may contain scenarios that are provided as examples only. Coverage is subject to the terms, conditions and exclusions of the policy issued. The information provided is general in nature and may be affected by changes in law or the interpretation of such laws. The reader is advised to contact a professional prior to taking any action based upon this information.

2337 Rate this article:
No rating

Leave a comment

This form collects your name, email, IP address and content so that we can keep track of the comments placed on the website. For more info check our Privacy Policy and Terms Of Use where you will get more info on where, how and why we store your data.
Add comment

Theme picker



885.945.5221 | innkeepers@cbiz.com 

700 W 47th Street, Suite 1100 |
Kansas City, MO 64112 

Monday - Friday | 8:30 a.m. - 5 p.m. (CST)


CBIZ Innkeepers Insurance, a division of CBIZ Insurance Services, Inc., is the largest insurer of innkeeper businesses in the United States. As part of an $850 million New York Stock Exchange traded company (CBZ), we developed a specific policy coverage to meet the needs for inns and bed & breakfasts, and the amenities offered by these businesses. Our policy is underwritten by an A.M. Best Rated A++ (Superior) company.

The CBIZ Innkeepers Insurance team knows insurance, specifically the risks and exposures related to beds & breakfasts. We won't confuse you with technical "insurance speak" — our representatives will explain your coverage in simple terms. With hands-on, personal customer service, we guarantee swift communication. As specialists in the industry, we leverage our knowledge and passion to ensure you and your inn are protected.





Association of Lodging Professionals Logo.


Select Registry Endorsement logo.