WHAT SHOULD I DO?

Recovering from a flood and understanding the steps to take afterwards can be daunting.

Each flood event is different and whilst this list isn’t exhaustive, we hope it helps you to understand some of the basic things that you will need to consider in the days following.
  • 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?

Evaluate your living space.

Can you realistically continue to live in your home?

Is it safe?

Is it practical?

Do you have pets?

Speak to your insurance company about the options that are available to you. They could include living in a caravan on the grounds of your property, finding alternative rented accommodation, or staying in your home if it is practical.

If you are considering staying in your home, be mindful of the noise and disruption of dehumidifiers, building works and the practicalities of living on what will become a building site, often for many months or more.

Reinstating my home

There’s no quick fix to recovering a flooded property. It can take anything from six months to two years or more.

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