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Flooding Advice From The Association Of British Insurers

If bad weather is forecast:

  • Make sure you have emergency contact numbers for your insurer, local authority and utility companies to hand in a safe waterproof place.
  • Listen out for bad weather warnings on local radio and TV.
  • Check the Environment Agency’s website and sign up for their free flood warning service.
  • Make sure any unsecured items, like ladders in gardens, that can cause damage in high winds are secured.
  • If you have a car, try and move it away from where flooding is expected.
  • Check if it is safe to use electricity, gas and water supplies.

If you have suffered flood damage to your property or contents you should:

· Contact your home insurer as soon as possible. Most will have 24-hour emergency helplines, which can give advice on next steps and arrange repairs as quickly as possible.

· 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.

· Do not 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.

· It can take weeks, sometimes months for a property to fully dry out so do not be in a rush to redecorate. Your insurer can give you advice.

· Do not do anything that will put you or your household at risk.

 

What is covered?

· Household buildings and contents policies will cover flood and storm damage, including that caused by storm winds. If your home is uninhabitable, your insurer will usually pay for temporary accommodation while it is being repaired.

· Motor insurance covers damage to vehicles under comprehensive policies. Again, contact your insurer as soon as possible to get your claim moving. Some policies may provide you with a replacement vehicle if the damage is repairable.

· Business insurance policies will cover storm damage to premises and stock.

· Business interruption cover (which may be included or purchased separately) will cover additional costs, such as hiring temporary premises, if needed.

 

Aidan Kerr, Head of Property at the Association of British Insurers, commented:

 

“As the UK experiences heavy rainfall, insurers will be geared up to help customers affected by flooding as quickly as possible. Flooding can be traumatic and disruptive, but unexpected events like this are exactly what insurance is for. Flooding is covered as standard in home insurance policies and people affected should contact their insurer to get their claim moving.”

 

- Ends -


Notes for Editors

 

1. Enquiries to:

Adeola Ajayi 020 7 216 7521 Mobile: 07725 245 284

Linsey White 020 7216 7415 Mobile: 07885 998 011

Malcolm Tarling 020 7216 7410 Mobile: 07776 147 667

 

2. The ABI is the voice of the UK’s insurance, investment and long-term savings industry. It has over 300 members, which together account for around 90% of premiums in the UK domestic market.

The ABI’s role is to:

- Be the voice of the UK insurance industry, leading debate and speaking up for insurers.

- Represent the UK insurance industry to government, regulators and policy makers in the UK, EU and internationally, driving effective public policy and regulation.

- Advocate high standards of customer service within the industry and provide useful information to the public about insurance.

- Promote the benefits of insurance to the government, regulators, policy makers and the public.

 

The UK insurance industry is the third largest in the world and the largest in Europe. It is a vital part of the UK economy, managing investments amounting to 26% of the UK’s net worth and contributing the fourth highest corporation tax of any sector. Employing over 290,000 people in the UK alone, the insurance industry is also one of this country’s major exporters, with 28% of its net premium income coming from overseas business.

Insurance and businesses protect themselves against the everyday risks they face, enabling people to own their own homes, travel overseas, provide for a financially secure future and run businesses. Insurance underpins a healthy and prosperous society, enabling businesses and individuals to thrive, safe in the knowledge that problems can be handled and risks carefully managed. Every day, our members pay out £147 million in benefits to pensioners and long-term savers as well as £60 million in general insurance claims.

3. An ISDN line is available for broadcasts.

4. More news and information from the ABI is available on our web site, www.abi.org.uk.


Last updated 01/07/2016