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Protecting your healthcare facility from an invisible hazard

January 26, 2016

Losses from rain-related flooding are on the rise.

raindrops in puddle

Flooding is one of the most significant natural hazards in North America. Water inundation into facilities is mostly associated with riverine (river) or coastal flooding; however intense periods of rainfall can cause just as much damage. 

Rain-related flooding occurs when an extremely heavy downpour of rain over a brief time period saturates the public drainage system, and the excess water cannot be absorbed. In many circumstances, the potential for water inundation from a torrential rain event is often overlooked in the hazard vulnerability analysis (HVA) process. Moreover, rain-related flooding often occurs at locations that are not in a designated FEMA flood zone.

For a hospital, water damage mitigation is critical. The impact to business income loss due to flooding could be substantial depending on what is in the facility’s basement.
 
Electrical equipment housed in a flooded basement can shut down some or all of the hospital. Patients may need to be moved to another facility, and the hospital could be down for multiple days. Tropical Storm Allison caused water-filled basements and flooding on the first floor areas of several Houston hospitals. In one facility, it took over two weeks to restore power

Additionally, costly medical equipment damaged by flooding can cause interruptions to patient care, forcing patients and doctors to seek treatment options at other hospitals.

The danger of rain-related flooding is likely going to worsen due to a combination of climate change as well as an increase in the urban population. In addition, in some instances new planning regulations have not included the proper investments needed by water and sewage authorities to update existing storm water systems and other related infrastructure, including water sheds.  

Important facts leading to the increase in rain-related, also known as pluvial, flood losses include:

  • Increase in extreme weather events
  • Less green spaces
  • Aging storm water infrastructure
  • Continued increase in the use of impermeable surfaces

These risks may be mitigated when a facility has developed an overall water infiltration and flood resilience plan for both new construction and large renovation projects. The plan should incorporate the following guidance into the hazard assessment process:

  • Building location with respect to land grading slope
  • Existing capacity of the public storm water system
  • Existing capacity of facility-owned storm water system
  • Buildings containing below-grade areas

If your facility is subject to pluvial flooding during torrential rain events, you can help reduce your vulnerability by implementing the following controls:

  • Develop a comprehensive emergency plan for torrential rain. 
  • Where necessary, incorporate the use of portable flood gates that can be deployed quickly to protect building openings.
  • Ensure that below-grade areas utilize sump pumps that are connected to an emergency power system.
  • Install automatic starting portable pumps outside in vulnerable areas (near loading docks or low lying areas) until the capacity of the existing storm water system can be upgraded.
  • Where necessary, provide back-flow protection in existing building’s waste water systems.
  • Maintain a comprehensive inspection and maintenance program for owned storm water systems, including cleaning out all drain basins during and after the fall season and following storm events.

Implementing a thorough water infiltration and flood resilience plan will not only help mitigate water damage, but also help eliminate or reduce business interruption by recovering quicker following an event.


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The information in this publication was compiled from sources believed to be reliable for informational purposes only. All sample policies and procedures herein should serve as a guideline, which you can use to create your own policies and procedures. We trust that you will customize these samples to reflect your own operations and believe that these samples may serve as a helpful platform for this endeavor. Any and all information contained herein is not intended to constitute advice (particularly not legal advice). Accordingly, persons requiring advice should consult independent advisors when developing programs and policies. We do not guarantee the accuracy of this information or any results and further assume no liability in connection with this publication and sample policies and procedures, including any information, methods or safety suggestions contained herein. We undertake no obligation to publicly update or revise any of this information, whether to reflect new information, future developments, events or circumstances or otherwise. Moreover, Zurich reminds you that this cannot be assumed to contain every acceptable safety and compliance procedure or that additional procedures might not be appropriate under the circumstances. The subject matter of this publication is not tied to any specific insurance product nor will adopting these policies and procedures ensure coverage under any insurance policy.

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