WHAT SHOULD I DO?
Recovering from a flood and understanding the steps to take afterwards can be daunting.
Notepad & Pen
Grab a notepad and pen – you’re going to be speaking to a lot of people in the coming days and weeks (from insurance companies to builders) so it’s a good idea to record names, numbers and what you’re talking to them about.
Electricity
Don’t turn on your electricity until it has been checked
Photos
Take photos of everything that is damaged – furniture, carpets, curtains, possession, external damage.
Don't Bin
- Be mindful not to throw everything out into a skip before the loss adjustor has seen it. Check with your insurer before you take action to dispose of any items so that you’re clear about what they will need to see.
- Why? Because they need to assess the financial loss, the work that needs to be done to reinstate the property, and note the damaged content.
Insurance
Ring your insurance company and write down your policy claim number.
Meter Reading
Take an electricity meter reading because much of the electric that will be used to repair your property, such as dehumidifiers (also called driers) and building works, can be covered by your insurance policy.
Tide Mark
Take a photo of the tide mark on the wall where the flood water reached.
Skips
- If you are insured skips will be provided by your insurance company as part of the reinstatement of your property.
- If you are uninsured skips are often provided by your local council but it is at their discretion.
Where will I live after my home has been flooded?
The NFF have teamed up with the Association of British Insurers to provide a clear step by step guide on what people can expect to happen as they move through the process of recovering their homes. Please click on the link below.