November 2009 Flooding

The ABI has issued advice to people who have suffered flood damage following the recent heavy rainfall.

• Household and business insurance policies cover flood damage. If you have been affected, contact your insurer as soon as possible.  Most offer 24-hour emergency helpline services to arrange for repairs to be carried out and damage to be inspected.
• If necessary, arrange for temporary repairs to be carried out to stop any damage getting worse. Keep receipts, as these will be needed for your insurance claim.
• Most policies will cover the cost of alternative accommodation (up to a specified limit) if you need to move out of your home while it is being repaired.
• Comprehensive motor insurance will cover flood damage caused to vehicles.
• Do not use electricity or water supplies until the all clear is given.
• Once flood water has receded, disinfect floors and furnishings. Where practical, leave doors, windows and cupboards open. If possible, keep rooms heated.

• Do not rush to redecorate, as it may take some weeks for the property to fully dry out.
• Don’t do anything that puts you or your family at risk.

 
ABI News Release: Insurance Advice from the ABI

ABI News Release: The Long Drying Out Process Begins

Leaflet: Responding to major floods: What to expect from your home insurer