With the washout summer predicted to continue, here’s what you need to know about flood insurance claims (average £30,000).
If you have suffered flood damage to your property or contents you should:
n Contact your home insurer as soon as possible. Most will have 24-hour emergency helplines.
n If necessary, arrange temporary emergency repairs to stop any damage getting worse. Tell your insurer and keep any receipts, as this will form part of your claim.
n Don’t be in a rush to throw away damaged items, unless they are a danger to health, as these may be able to be repaired or restored. Your insurer will advise.
If bad weather is forecast:
n Make sure any unsecured items that can cause damage in high winds are secured.
n Make sure you have emergency contact numbers for your insurer, local authority and utility companies in a safe waterproof place.
n Listen out for weather warnings on radio and TV.
n Household buildings and contents policies will cover flood and storm damage, including wind. If your home is uninhabitable, your insurer will usually pay for temporary accommodation while it is being repaired.
n Motor insurance covers damage to vehicles under comprehensive policies.
n Business insurance policies will cover storm damage to premises and stock. Business interruption cover may be included or purchased separately.