Flooding is a home owner’s nightmare. It leaves the home uninhabitable and the people who live there feeling powerless and helpless, having the power to do nothing more than look at their devastated home and destroyed belongings and find the energy to start again. While you may not be able to stop the force of nature that carries the flood into your home, there are things that you can do to ensure that you have met all of the requirements laid down by the Association of British Insurers regarding the making of a claim after a flood.
Advice to Follow
Advice varies depending upon the situation that you are in, for example the severity of the weather or the level of damage that has been caused will alter the steps that you are required to take. However by following the general advice given below you can be sure that you have done whatever you can to make the situation as clear as possible to your insurance providers. The most important thing for you to do though is familiarise yourself with your insurance policy so that you know exactly what is covered and what is not, this will save you a lot of time and frustration when it comes to actually making a claim.
When Severe Weather is Forecast:
- If you are in an area that is at risk of flooding and severe weather has been forecast make sure that you have the emergency numbers for both your insurers, your utility providers and the local authorities all in a safe and waterproof place.
- Pay attention to the localised weather forecasts and take necessary action if any warnings are issued. Listen to any advice that is offered by the local authorities regarding adverse weather conditions too.
- Stay up to date with the information and warnings listed on the Environment Agencies own website, and make sure that you are signed up to their flood warning notification service.
- Ensure that any items outside the home that could break free in high winds and cause damage to yours or someone else’s property are well secured.
- Move your car to higher ground if flooding is expected.
- Check with your energy providers to ensure the safety of your supply.
If Your Home Has been Flooded:
- Get in touch with your insurance provider at the earliest opportunity – if needs be, make use of their 24 hour emergency service. They will start putting things in motion to get you help.
- If necessary make arrangements for any emergency repairs to prevent existing damage getting any worse. Keep all of your receipts in a safe place and make sure your insurer knows what you are doing, as all of the repairs will be included in your claim.
- Listen to the advice provided by your insurer regarding discarding damaged items, and redecorating your home after it has dried out. Do things too soon and you risk causing further damage.
- Be sure to keep everyone safe at all times and avoid any actions which could place you or your family at risk.
Mark Davidson is a leading author on all things insurance related – he regularly visits nsure4business for more information on the latest news and developments.