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Recovering from a flood

If your property is flooded consider your personal safety first and contact your insurer immediately.

Insurers will do everything they can to help customers as quickly as is practically possible in the days, weeks and months after a major flood.

Putting your home back together can take time. The important steps to understand after a flood are:

  1. The immediate aftermath
  2. Assessing the damage and finding temporary accommodation
  3. Cleaning and stripping out
  4. Disinfecting and drying your home
  5. Repair and reconstruction work
  6. Moving back into your home

Who is involved?

If your home is badly flooded, your insurer is likely to use a variety of specialists to ensure it is repaired as quickly as possible and to a high standard.

Flooded living room in house

This may include a loss adjuster to assess the damage and oversee the repair process, a surveyor to oversee major building works, specialist cleaning and drying companies, and professional builders and decorators.

Your insurer or loss adjuster will explain to you the timetable for restoring your home, which specialists will be involved at each stage and how long each stage will take.

How long will it take?

Your insurer or their appointed loss adjuster will do everything possible to restore your home as quickly as possible and will discuss progress with you throughout.

If your home is badly damaged by flooding, it may take up to one year or longer for your home to be restored and become habitable again. This is mainly due to the time it takes to safely decontaminate and dry out a property after it has been flooded and to undertake any repair or restoration works.

As a guide, during incidents of major flooding the majority of people that have to leave their homes return to them within six to nine months.

Find out more information on flood recovery in the following guides: