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Amber flood warning this weekend ABI advice

Following the Amber flood risk warning issued by the Environment Agency for significant river and surface water flooding in parts of the north of England and north Wales over the weekend, the Association of British Insurers offers advice on steps to take to reduce the risk of suffering damage, and what to do if you suffer flood or storm damage.

Preparing for bad weather:

  • 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.
  • 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.
  • If you are in a flood risk area try to move valuable or essential items upstairs or to a high place.
  • Keep a mobile phone with you.
  • Check if it is safe to use electricity, gas and water supplies.

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

  • Do not do anything that will put you or your household at risk.
  • Only return to your home or business after a flood when it is safe to do so.
  • 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 longer, for a property to fully dry out so do not be in a rush to redecorate. Your insurer can give you advice.

Malcolm Tarling, Association of British Insurers, said;

"Suffering a flood can be very expensive, distressing and inconvenient. Insurers are geared up to dealing with the impact of bad weather, and will do whatever it takes to get claims moving as quickly as possible."

For more information, see our guide: Responding to major floods (pdf 11MB)

Last updated 01/07/2016