Recent storms have made us more aware of the effects that heavy rain can have on our communities, here we have a short guide to flood recovery. Floods can make a lot of damage to your home which can make it very tough tough for you and your family.
It doesn’t have to be too difficult with the right assistance. Maybe you reside in a high-risk flood area. The following flood recovery guide will help you in the event of a flooding incident.
Flood recovery: Preparation
The secret to Flood recovery is in proper preparation before the flood. The weather service provided by the Met Office has a Flood Warning Information Service that gives live details across the country. The local authority should also provide warnings of expected heavy rainfall.
Most property owners do not realise that they reside on or near a potential floodplain. The Environment Agency website provides an interactive map of locations that are at risk of flooding.
Flood Recovery Check List
Floods can be dangerous as the water can be contaminated so please following this Flood recovery checklist to prepare for any immanent dangers
Decide to respond to any flood alerts, let close family and friends known
Allow enough time for belongings to be taken upstairs or in a place that will be higher than any water levels.
Isolate water, power and gas feeds and make provisions to leave your home
Do not walk or drive in water especially if it is fast-flowing – it will always win.
If the water level ingresses before you can vacate, move to the top floor, loft or even your roof.
Prepare drinking water and food but be careful not to eat anything spoiled that needs to be kept cool when the electricity is off.
Insurance Policy For Flood Recovery
You must check that your policy allows for a claim in the event of a flood. Some insurance policies have omissions when it comes to surface water. Flood-specific insurance policies help pay for measures to prevent flooding such as door guards and water pumps.
Flood recovery: Flood Damage Repair
You will feel overwhelmed if you suffer a flood, so don’t feel you can’t ask for help either from colleagues, family or from the community. Volunteers are usually keen to help. The local authority, Army & Salvation army are usually available to help.
Cleaning and decontaminating is a painful and demanding in the flood recovery process, it’s essential that the insurance company acts quickly after you have suffered a flood. You ideally want to engage a claims handler to assist with any flood damage claim and can help with the flood recovery.
What is a Loss Assessor?
These are known as Loss Assessors. Insurance company Loss Adjusters will look for opportunities to minimise or repudiate a claim so everything must be taken into account. But a Claims Management company will assign a Loss Assessor who would use their knowledge and skills to assess the flood damage on your property or business and help with the flood recovery.
Handle all communications & meetings with your Insurance Company and will endeavor to get everything you are entitled to. This will help take the stress of dealing with the Insurance company and will leave you with the time to concentrate on your family or business.