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Flooded street

How to keep your flood damage down

More than 60,000 homes were left without power following extensive flooding in the North West at the weekend and there are warnings of more torrents ahead. But don’t worry, there are ways you can minimise the damage to yourself and your home.

With more than a month’s worth of rain falling on water-logged towns and villages in just 24 hours and damage expected to more than 2,000 homes,  people living in vulnerable areas should take action to reduce the impact of any damage incurred.

Here are our tips for three different scenarios. Make sure you ensure the safety of your home now.    

Secure your home and belongings first

If your home is potentially vulnerable to flooding you can help yourself by taking some simple precautionary measures.

First, check the perimeter of your home, making sure all external doors and windows are closed and items such as ladders and bikes are secured.

If you drive, move your car to higher ground and park away from high trees, old walls and other potential causes of damage.

It’s well known that no news is good news, but in times like these it’s best to keep up-to-date with the latest forecasts.

For this reason, keep switched on to local radio and TV channels, and be prepared to follow any advice that comes your way.

While you’re tuned in, gather up important contact information, such as your insurer’s details and your energy providers – you’ll probably need them if the worse happens. 

Also move any portable valuables upstairs or put them on high shelves.

Local flood warning? What to do next

Flood warnings will make it clear if you need to evacuate your home, and you should follow them to the letter.

But, if you have time, turn off all power sockets and disconnect all electrical appliances, moving those you can easily carry upstairs.

Take advice from your electricity provider and from your gas company before tampering with fuse boxes and supply lines.  

What to do if your home is damaged by floods

Damage caused by storm flooding is upsetting, but if you have adequate home insurance and act with care, it will all get corrected in time.

You can help by taking photos of all damage, including food that you’d need to dispose of.

Don’t clean up, make repairs or throw anything away until you’ve spoken to your insurer as they may want to see the damage first hand in order to assess your claim.

Remember, your insurer is there to help, and won’t leave claimants in the lurch.

  

 

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  • Dave porthouse / 13 December 2015

    Hi. Some decent tips re floods, but lots of people have been getting ripped off since the events by bogus insurance claimers and estate agencies more than trebling fees. Tips around this and how to deal with insurance companies (for example you can insist on local tradesmen in some instances rather that allowing their own work) would be good. Nice to see TMAS publish this however ... more relevant that some articles I have read.