Recovering from a flood can be quite an ordeal. This is why it’s always advised that you take any precautions you can to limit the damage before it occurs if you live in a property that’s at high risk of flooding. While sandbags, flood barriers and other forms of flood defence are always recommended, sometimes it’s simply not possible to stop water from entering your home. In such a scenario, it’s important that you know how to recover from it in the best and safest way possible.
Staying safe & repairing your property
If your property has been flooded then it’s likely going to be a big source of stress and something you want to fix as quickly as possible. While you might be eager to get things taken care of quickly, you should always put the safety of yourself and your family first. This means you should always contact your insurance provider to take care of any structural repairs and not re-enter the building until you’re certain it’s safe to do so.
People who haven’t experienced flooding before are very often surprised at how long it takes for things to be back to normal. The reason for this is that the property must be completely dry before any major repair work can take place in order to avoid any problems with damp or mould growth,
Making a claim
Below are some tips to make sure the claims process following a flood goes as smoothly as possible –
- Contact your insurance provider to arrange alternative accommodation - The majority of flood insurance policies will include alternative accommodation following a flood. Whether this accommodation is arranged by your insurer or simply reimbursed varies depending on the insurer. If your policy includes contents cover then drying, cleaning, restoration and replacement of your damaged items is usually covered.
- Contact your landlord immediately (rented property) - If you rent your property, then you should contact your landlord immediately to inform them of the flooding. While the building itself will be the responsibility of your landlord, any contents may not be covered unless you have a separate contents policy that you took out yourself. Contact your landlord to find out for sure.
- Take plenty of pictures - This is extremely important if you want to recoup the full value of any damaged contents, including furnishings. You should take as many pictures as possible to show any structural damage as well as damage to your contents. Be sure the pictures are taken in good lighting and that you’re very careful when moving around the property.
Get flood insurance quotes the easy way
If you don’t currently have flood insurance for your property or you want to know if you could get a better deal, then you’re in the right place. When you click the green button below you’ll be taken to the quote form page. After filling in a bit of required information you’ll then be sent quotes by a panel of flood insurance specialists to choose from. All you have to do is pick the best policy. Click below to get started now.