Storm and Flood Property Insurance Advice

Before the storm and floods

Storm and flood property insuranceIn the event of impending storm and flood damage, we have compiled some tips to help minimise the effect on your property as follows:

  • Make sure that you secure any items in the open that could cause damage to your property during high winds.
  • If you have any vehicles, make sure that they are in garages or within buildings if possible. If this is not possible, try and move the vehicles where there is maximum shelter from high winds and trees and also away from where any flooding could occur.
  • It is useful to retain emergency contact numbers for the local authority, utility companies and your insurers.
  • Register for the free flood warning service on the Environment Agency’s website.

If damage has occurred

In the event that damage has been caused to your building(s) you should:

  • Contact your insurers as soon as possible so that they can advise you on the best course of action.
  • If required, arrange for temporary repairs to be carried out to stop any damage getting worse such as replacing any broken glass/boarding up.  You should keep all receipts for emergency repairs as this will form part of your insurance claim.
  • Take photographs of any damaged item(s) and don’t throw away anything until the insurers and/or loss adjusters let you know to do so.
  • If the damage has occurred at your own home and you are unable to stay in your house due to severe damage, most home insurance policies will cover the cost of alternative accommodation.
  • For residential landlords insurance  policies, cover may be provided for alternative accommodation for your tenants and loss of rent for the landlord if you have selected this cover.

Commercial Property Insurance

If you have commercial property insurance the following additional advice will also apply:

  • Business insurance  policies will cover storm and flood damage to both your property and your stock.
  • Business interruption cover if included within your business insurance policy will cover additional costs such as renting alternative premises and any reduction in profit following the damage.
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