Home insurance and the floods

In recent years, flooding has been a real issue in the UK, and with this January being the wettest winter month since records began, things aren't looking up for many UK homeowners. If you've been the victim of flooding it can be a real struggle to get your home back in working order, especially when you know it could easily happen again. To help you protect yourself in the future, as well as make a successful claim if your home is damaged by flooding, we've put together the following handy tips.

Protecting your home against flooding

In an ideal world your home wouldn't be damaged by flooding, and while in many cases it's impossible to predict or avoid, there are some things you can do to minimise the potential damage of flooding in your home.

This Is Money recommends keeping your drains and gutters clear so that rain can drain effectively from your property. They also suggest that you keep valuables, electrical items and important documents in high cupboards or upstairs.

While it won't prevent your home being damaged, taking out a building and contents insurance policy will mean that should anything happen to your property, you could be financially covered. You can read more about your insurance options here at InsureMe-on-Line.

Making an insurance claim

If you're dealing with the stress of a flooded home, it's likely that there'll be many practical concerns that you'll need to address first, but you should contact your insurance company as soon as you possibly can. They will be able to guide you through emergency procedures and give you the information you need to make your claim. They will also be able to tell you exactly what is covered by your insurance, although details of this will also be outlined in your policy.

If possible, take photographs of the damage to your building and its contents as these could help you with the settlement of your claim. You may be tempted to throw away damaged possessions during the immediate clear up process, but you shouldn't do this until after you've discussed it with your claims advisor.

Most importantly, take care of your own safety if your property is flooded. Be sure to check for signs of structural damage before entering a flood-damaged property and do not use electrical equipment or turn on the gas until the building has been checked by a qualified professional.

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