Flood Insurance & Prevention
If you are forewarned with regard to possible flooding your first priority must be the safety of yourself and your family. Heed the advice of the emergency services and if possible move the family upstairs also helping elderly, disabled or vulnerable people.
Flood Prevention: Advice and Checks
- Prepare a flood kit of essential items i.e. mop and buckets domestic detergent and disinfectant, rubber boots, gloves and protective clothing, also include a waterproof torch and radio.
- Be familiar how and where to turn off the gas, electric and water mains supplies, particularly if having to evacuate the property.
- Have warm clothes and blankets at the ready and store some non-perishable food supplies and drinks upstairs, or in a container which can not be contaminated by flood water.
- Remove valuable items, including portable electric items upstairs.
- Block plug holes and weigh down with heavy objects.
- Place sand bags in toilets to prevent backflow.
- If possible raise furniture off the floor using bricks or boxes.
- Use sandbags pre-flood, they are of no use once the property has flooded, consider all entry points such as air bricks, utility service points, cable entry points. Place bags in layers (like a brick wall) stamp them in well to eliminate gaps and create a tight seal.
What to do in a Flood
- If you have to evacuate agree where you will go and how to keep in contact with family and friends.
- If flood water is about to enter your home turn off gas, electric and water supplies if safe to do so. Do NOT touch sources of electricity if standing in water.
- Continue to listen to local radio or call flood line 0845 9881188.
- If possible avoid contact with flood water and do not attempt to wade through deep water as it will be difficult to identify hazards such as raised manhole covers.
What to do after a Flood
- Gas and electric supplies should remain switched off until checked by a qualified professional.
- Do not attempt to carry out repairs until contact has been made with your insurer and ascertain that there is no further chance of flooding.
- Remove mud and other debris, clean and disinfect all surfaces and maximise ventilation to promote quick drying.
- It is useful to keep a record of the flood damage either by writing it down, taking a photograph or a video record.
For competitive quotes on home insurance, including flood damage cover, click here or call 0161 874 8032 to speak with an insurance consultant.