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Flood advice for homeowners and businesses from the ABI

Flood adviceThe ABI advises anyone who has suffered damage caused by the floods and high winds sweeping much of the UK to contact their home or commercial insurer as soon as possible. They will have 24-hour emergency helplines, to ensure customers get advice on what to do and arrange repairs as quickly as possible.

Also:

  • 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.
  • Only return to your home or business after a flood when it is safe to do so.
  • 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.
  • If your home is uninhabitable while repairs are being carried out, your insurer will arrange for and pay the cost of any alternative temporary accommodation you may need.
  • Commercial polices will cover damage to premises and the stock. Business interruption cover (which may be included or purchased separately) will cover additional trading costs, such as hiring temporary alternative trading premises if necessary.
  • Comprehensive motor insurance covers the cost of repairing or replacing vehicles damaged by flooding.

Malcolm Tarling, Association of British Insurers, said:
 
"Insurers expect bad weather to strike at any time, and are fully geared up to help customers who have suffered flood and storm damage. Having your home or business damaged by bad weather can be traumatic and distressing, and insurers will be on hand to help customers recover as soon as possible.” 


Last updated 22/11/2016