Last winter (2013-2014) was one of the wettest on record which saw extensive flooding across the UK. Insurers did all that they could to help customers in the immediate aftermath. They provided emergency payments and alternative accommodation to customers, ensured they received expert help restoring their homes through their loss adjuster network, and rapidly increased their own operations, such as putting more employees onto the phones.
What to do if you’re worried about flooding:
1.Check with the Environment Agency or Scottish Environment Protection Agency to see if you’re at risk of flooding.
2.Sign up to the Environment Agency or Scottish Environment Protection Agency flood alerts to get the latest information about flood in your area.
3.Get all your important insurance policy documents and emergency telephone numbers such as your insurer’s hotline, GP surgery and family and friends in a water proof folder and ensure that it is kept in an easily accessible place.
4.Make an emergency pack with water, food, spare keys, cash, a torch, spare batteries, a phone charge, medicines, glass/contacts and warm clothes – just in case.
5.Think about installing measures in your home that can stop or reduce flooding. The National Flood Forum is a good place to start.
What to do if think you’re going to be flooded:
1.Keep safe! Your own safety is the most important thing – follow instructions from the emergency services.
2.Make sure that those around you are safe. You might need to plan for children, elderly and disabled people who can be more vulnerable. Check with your neighbours that they know about any flood alert. Think about how you’re going to look after your pets.
3.If you are able, try and minimise damage – put expensive items and electrical goods upstairs, tie down tables, chairs and loose items in the garden. If there’s time, move your car to higher ground. Make sure to do this safely i.e. don’t try to lift heavy items by yourself.
4.Don’t forget photos and other things of sentimental value – move them upstairs or put them somewhere safe.
5.Switch off gas, electricity and water supplies before you leave your home.
If you have been flooded:
1.Call your insurer as soon as it is safe to do. They will be able to help explain what you need to do next. Your insurers emergency claim line number can be found in your policy booklet
2.Be careful when returning to your home or business premises. It may be damaged or have hidden dangers, especially if there is still flood water in it.
3.Don’t drink the water or use the gas and electricity until you are told by an expert that it is safe to do so. Children toys, kitchen utensils and anything that got wet will need to be disinfected.
4.Take pictures of the damage and don’t throw items away. It will help your insurer get you back to normal as quickly as possible.
5.Remember – It can take weeks to dry out a property after it is flooded, but your insurer and their loss adjuster will manage the process with you. For private residences, they will put you up in alternative accommodation if needed.
Need further advice or enquire regards policy that is best suited to your home please visit http://www.insureeasy.co.uk or call us on 01737 373222