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How can I prepare for floods?

Insurance cover

When claiming for flood damage on your insurance remember the do's and don'ts below:

  • Do make sure that you have home insurance and that you are covered for flood damage
  • Do telephone your insurance company¬ís 24-hour emergency helpline to get the process started as soon as possible.
  • Do commission immediate emergency pumping and repair work to protect your property from further damage.
  • Do get advice from your insurance company on reputable contractors and builders.
  • Do check your policy booklet to see if the loss or damage is covered under your policy (see also your insurance company¬ís website). If so, check the limits of such cover.
  • Do complete the claim form confirming the cause of damage and enclose repair/replacement estimates.*
  • Do check with your insurer if you have to move into alternative accommodation, as this is often covered by your policy.?
  • Do make sure your insurance company knows where to contact you if you have to move out of your home.
  • Do keep an inventory of all your written and telephone correspondence with your insurance company.
  • Do record the damage caused by the flood on a camera or video recorder.
  • Do mark the water levels on the walls for reference.
  • Don't begin any work without the approval of your insurance company.
  • If possible don't throw anything out before it is seen by an assessor, alternatively photograph items before disposal

*Remember your insurance policy is not a maintenance contract. Normal wear and tear is not included under your policy.