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November 11, 2019
3 minute read
Yellow weather warnings remain in place today after floods washed through homes and businesses last week. The new warnings come after parts of Derbyshire and South Yorkshire experienced a month’s worth of rain fall in one day last week.
The Environment Agency have over 100 flood alerts in place.
If it’s a flash flood, then generally yes. But some insurers may be unwilling to cover you if you live in a location susceptible to flooding. Others will cover you, but may decide to set higher premiums on your home insurance payments.
This is partly due to the recently launched Flood Re scheme, into which all UK home insurers must pay so that there’s enough to cover those affected by floods. To be eligible for this scheme, your home must have been built before 2009 and be in council bands A to H.
If your home content or buildings insurance is up for renewal or you’re moving into a new home, the best thing to do is speak to an insurance broker who can help you find the right level of cover for you.
You’ll need to call your insurance company before you begin the clean-up operation, and they’ll advise on what to do next, including whether you’re able to make a claim.
Your insurance company should be able to provide you with a flood remediation expert who can assess your home.
Insurance policies vary in their levels of cover, with some covering the replacement of damaged items, while others may include help with the clean up process. Read your policy document carefully to check what you are entitled to.
Get a name for who will be handling your claim and ask how long you will have to wait for a visit from the loss adjuster to survey the damage to your home. This could be a while if there is extensive flooding in your local area.
Always keep a record of dates and times you contacted your insurer, as well as the person you spoke to and what was agreed.
Likewise document what happened to your belongings and keep any proof of damage caused until a loss adjuster visits.
If you don’t have insurance, contact your local council for details on hardship grants.
Finally, you’ll find official government advice on clearing up after a flood here.
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