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your business

BEFORE THE STORM – Is your business registered with us? Let us know by calling (386) 313-4070!

The Flagler County Dept. of Economic Opportunity is available Monday-Friday 8am-5pm to assist businesses before, during & after any weather event. Business owners can call (386) 313-4070 to speak to a representative qualified to help them take advantage of all the business resources available to them. If you have any questions or concerns about getting your business ready for hurricane season, please feel free to email us at or call (386) 313-4070.


Contact Support

Before the Storm Checklist


What to do BEFORE, DURING and AFTER a Disaster

Know Your Risk. Check your hurricane evacuation level and FEMA flood maps on the Flagler County Property Appraiser website to determine if your business location is vulnerable to storm surge or freshwater flooding. Have your building(s) inspected by a licensed professional to find out if your workplace is vulnerable to hurricane force winds and what is recommended to retrofit.

How to use the map:

  1. Visit the Flagler County Property Appraiser map search page here.

  2. Enter your address in the "Search by Location Address" field and search

  3. Once on search result page, click MAP - on the top menu in the blue bar.

  4. Make sure"FEMA FIRM" and "Evacuation Zones" check boxes are checked to learn about your zone & risk!

Take the Necessary Precautions. If a storm threatens, secure your building. Cover windows. Cover and move equipment/ furniture to a secured area.
Always Protect Your Data With Backup Files. If dependent on data processing, consider an alternate site. Make provisions for alternate communications and power.  

Make Plans To Work With Limited Cash, No Water, Sewer or Power For Two Weeks. Store emergency supplies at the office.  *EMERGENCY SUPPLIES LIST

Protect Your Employees.  Employee safety comes first! Prepare, distribute and discuss your business hurricane plan for recovery. Consider providing shelter to employees and their families and helping employees with supplies after the storm. Establish a rendezvous point and time for employees in case damage is severe and communications are disrupted. Establish a call-down procedure for warning and post-storm communications. Provide photo ID’s and a letter of authorization to enter the building.

Contact Customers & Suppliers and share your communications and recovery plan in advance. Prepare a list of vendors to provide disaster recovery services.  *BUSINESS CONTINUITY PLAN

Review Your Insurance Coverage. *GET FLOODSMART  Have your business appraised at least every five years. Inventory, document and photograph equipment, supplies and workplace. Have copies of insurance policies and customer service/home numbers. Obtain Business Interruption Insurance. Consider “Accounts Receivable” and “Valuable Papers” coverage and “Income Destruction” insurance. If you have a Business Owners Protection Package (BOPP), check the co-insurance provisions. Remember: Flood damage requires separate coverage and is NOT covered under other insurance programs.

FRAUD Concerns about insurance representatives should be directed to one of the following numbers:

  • Florida Department of Financial Services, 877-693-5336

  • Fraud Tip Hotline, 800-378-0445

  • Arson Tip Hotline, 877-662-7766

  • Public Assistance Fraud, 866-762-2237

  • Unclaimed Property, 888-258-2253

After the Storm Checklist

After the storm use caution before entering your business. Check for power lines, gas leaks and structural damage. If any electrical equipment is wet, contact an electrician. Prepare loss information for insurance claims and get independent estimates of damages. Take pictures before cleanup. Minimize additional damage. *BUSINESS IMPACT ANALYSIS

After a disaster, your business may be without power, water, food or any of the services we rely on. Immediate response may not be possible, so residents and businesses must be prepared to be self-reliant for several weeks.


Small Business Emergency Bridge Loan Program to support affected small businesses.

FEMA does not offer grant assistance to businesses and farmers. However, FEMA does act as a referral agency for business owners and farmers. FEMA may also maintain a list of additional referral resources for business owners and farmers.

  • Business and farm loans are available to people who may suffer damage to business property or economic injury. These low-interest loans are available through the Small Business Administration (SBA) and the Farm Service Agency (FSA), to repair or replace damaged property not covered by insurance, and to provide working capital.

  • You can obtain information at a Disaster Recovery Center (DRC) that may be set up after the President declares a major disaster. You can also call 1-800-621-FEMA (TTY: 1-800-462-7585) for information. You can visit the County FSA office or one of the SBA workshops set up in disaster areas.

In addition, the U.S. Department of Agriculture’s Extension Service provides information and materials to farmers, ranchers, and others on what they can do to protect themselves and their property against the hazards associated with disasters. Information is available on such topics as: cleanup of damaged property, sanitation precautions, insect control, food preparation in an emergency, recovery actions on damaged farms, and renovations of damaged equipment and property.

The Florida Department of Economic Opportunity administers the Florida Small Business Emergency Bridge Loan Program to provide an expedient cash flow to businesses damaged by a disaster. The short-term, interest-free loans help bridge the gap between the time damage is incurred and when a business secures other financial resources, including payment of insurance claims or longer-term loans.



Participating Local Flagler County Banks:

  • IntraCoastal Bank: (386) 447-1662

  • Wells Fargo Bank : (386) 226-3683

  • Sun Trust Bank: To Be Provided

  • First Green Bank: To Be Provided has developed a Hurricane Recovery Support program with those core tourism businesses who may become directly affected by hurricanes.


Flood Insurance Claims

Filing a Flood Insurance Claim :

If you experience a flood, you can file your flood insurance claim by following these three steps.


After experiencing a flood, contact your agent or insurance company to file a claim. Make sure you have the following information handy:

  1. The name of your insurance company

  2. Your policy number

  3. A telephone and/or email address where you can be reached at all times


An adjuster should contact you within a few days of filing your claim. If you do not hear from an adjuster, please contact your insurance agent or company again. Find your company’s toll-free phone number.


Separate damaged from undamaged property. Your adjuster will need evidence of the damage to your home and possessions to prepare your repair estimate.

  • Take photographs of all of the damaged property, including discarded objects, structural damage, and standing floodwater levels.​​

    • PRO TIP: Ensure that the location is turned ON on your phone or camera so the coordinates will be captured within the properties​ for documentation purposes.

  • Make a list of damaged or lost items and include their date of purchase, value, and receipts, if possible.

  • Officials may require disposal of damaged items so, if possible, place flooded items outside of the home.



Your adjuster will assist you in preparing a Proof of Loss (which is your sworn statement of the amount you are claiming including necessary supporting documentation) for your official claim for damages. You’ll need to file your Proof of Loss with your insurance company within 60 days of the flood. You’ll receive your claim payment after you and the insurer agree on the amount of damages and the insurer has your complete, accurate, and signed Proof of Loss.


Frequently Asked Questions About Flood Insurance (Video)


Re-Entry Safety & FAQs


  • Be Patient. Access to affected areas will be controlled. You won’t be able to return to your facility until search and rescue operations are complete and safety hazards, such as downed trees and power lines are cleared. It may take up to three days for emergency crews to reach your area. It may take 2-4 weeks before utilities are restored. On barrier islands, it could take much longer.

  • Stay Tuned to Local Radio stations for advice and instructions about emergency medical aid, food and other forms of assistance.  (92.7 FM, 98.7 FM, 100.9 FM, 106.3 FM and 15.50AM)

  • Security Operations Will Include Checkpoints. It will be critical for you and your employees to have valid identification with your current local address as well as something to prove your employment and need to get back into the area. It is recommended that businesses contact the county emergency management agency and local jurisdiction to determine what specifically would be required.

  • Avoid Driving. Roads will have debris that will puncture tires. Don’t add to the congestion of relief workers, supply trucks, law enforcement, etc.




  • Avoid Downed or Dangling Utility Wires. Metal fences may have been “energized” by fallen wires. Be especially careful when cutting or clearing fallen trees. They may have power lines tangled in them.


  • Beware of Snakes, insects or animals driven to higher ground by floods.


  • Enter Your Facility With Caution. Open windows and doors to ventilate and dry the building. If There Has Been Flooding, have an electrician inspect the office before turning on the breaker.


  • Be Careful With Fire. Do not strike a match until you are sure there are no breaks in gas lines. Avoid candles. Use battery-operated flashlights and lanterns instead.


  • Use Your Telephone Only for Emergencies to keep lines open for emergency communications.



  • Fueled by Gas, generators can run appliances and fans. Sizes range from 750 watts that will run a fan and a light up to 8,000 watts that will practically run a house (except for the air conditioner).

  • If You Have Lost Power, don’t connect a portable generator to the building wiring (this could injure or kill neighbors or electrical crews). Plug equipment, computers, etc., directly into the generator. Place Generator outdoors or in a well ventilated area. Don’t forget to check the oil every time you add gas. Conserve fuel by alternating appliances. For example: Refrigerators can be kept cool by supplying power eight hours a day. Refrigerators require 400 – 1,000 watts.


  • Make Temporary Repairs to correct safety hazards and minimize further damage. This may include covering holes in the roof, wall or windows and debris removal.

  • Recovery – for the purpose of assessment please have a letter naming all essential assessment personnel to be allowed back onto your property.  IDs will be required when those persons are entering back into a disaster area.  They should also have a copy of the letter granting them access permission to your property in their hand at the time of reentry.  This will also be the case for property managers.  Please email letters to

  • Protect Yourself From Contractor Fraud. Only hire licensed contractors to do repairs. Check with the local Building Department to ensure the contractor is licensed. If you hire a contractor, don’t pull the permits for them. If the contractor makes this request, it may be an indication that he is not properly licensed.


  • Take Photographs of All Damage before repairs and keep receipts for insurance purposes.


  • After Assessing Damage to Your Facility, contact your local building department for information on required building permits. Permits are always required for any kind of demolition or permanent repairs, reconstruction, roofing, filling, and other types of site development. Report illegal flood plain development to your local building department.

  • Local Ordinances Do Not Permit Dumping in drainage canals or ditches because it causes backups and overflow in the system. Report illegal dumping.



Whenever widespread flooding occurs, there is a potential for bacterial contamination. Bacteria, such as shigella and salmonella, can lead to life threatening dehydration for people if untreated by antibiotics. Disinfect any tap water you drink or use for cooking or cleaning. You must purify the tap water until officials notify you of its safety.

  1. Bring water to a rolling boil for a full 10 minutes or use chemicals (8 drops of chlorine bleach or iodine per gallon) or water purification tablets as directed.

  2. Let the water sit at least 10 minutes before using.

  3. Water you saved in clean containers before the storm will be fine for 2-3 weeks. To be sure, add 2 drops of chlorine or iodine per gallon before drinking.


  • Call professionals to remove large, uprooted trees, etc.

  • Always use proper safety equipment such as heavy gloves, safety goggles, heavy boots, light colored long-sleeve shirts and long pants.

  • Tie back long hair, and wear a hat and sunscreen.

  • Drink plenty of fluids, rest and ask for help when you need it.

  • Lift with the legs, not with the back.

  • Don’t burn trash.

  • If you can’t identify it, don’t touch it.

  • Be extremely careful with a chain saw and always heed safety warnings.


Announcements & Press Releases

If an emergency is declared, this section will host Flagler County announcements and press-releases. Check beck often.