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Up to one in six of our homes are at risk from flooding according to government experts , bringing disruption to many living in home insurance flood risk areas. A plan will help you know what to do if you’re at risk of:
1) Keep a flood plan in a safe place
Your plan will help you to act quickly and in an organised way. It should include contact details for organisations like Floodline and your flood risk home insurance and utility companies. Keep a copy in a waterproof bag where you can easily find it if the worst happens.
2) Check your flood risk and register for warnings
As a first step you can check flood maps for your area:
England or Wales, see the Environment Agency website
Scotland, see the Scottish Environmental Protection Agency website
Northern Ireland, see the Department of Agriculture and Rural Development website
Check that your insurer provides house insurance for flood risk areas.
3) Keep an emergency kit in a safe place
Check that it includes contact numbers for your electricity, gas, and water suppliers and your provider of flood risk insurance. It should also include essential items such as:
4) Install flood protection products
There are many products designed to repel floodwater, such as flood boards and airbrick covers, for example. Non-return valves and toilet bungs can help to prevent flooding from sewer backflow. An independent directory of flood protection products and services is available at the National Flood Forum.
5) Make sure you know how to turn off your electricity, gas, and water supplies
If you’re not sure, ask your supplier for advice.
1) If it’s safe to do so turn off your electricity and gas supply. Never touch the electricity supply if you’re standing in water.
2) Turn off all your water pipes using non-return valves if you have them fitted, or by plugging the pipes with towels or cloths. Disconnect any equipment taking water from the mains supply, like dishwashers, washing machines and fridges with drinking water dispensers.
3) If it’s safe to do so move your valuable items upstairs, or to a high point in your property, and make sure you know the safest route to leave the building.
4) If you must evacuate your home, pack spare clothing, make sure you have your emergency kit and follow any advice given to you by the emergency services.
1) Only re-enter your home when it’s safe to do so. The emergency services will advise you.
2) Contact your gas, electricity and water suppliers to confirm if your area has been reconnected.
3) Before you use them your gas and electric systems should be inspected by qualified engineers because:
4) Remove items that are damaged beyond repair, but don’t throw anything away just yet. Keep samples of carpets or rugs that have been damaged.
5) Take photographs of damaged items and areas to help support your claim from your provider of flood risk home insurance.
6) If it’s practical and safe to do so, open windows so the property can begin to dry out
7) Your home should be professionally assessed – possibly by engineers and surveyors – before you move back in
Insuring your home can sometimes feel overwhelming, so we're here to help make things as simple as possible.
If you’re an existing home insurance customer, here’s a link to our policy booklets so that you can check what’s covered, what’s available as additional cover, as well as advice on making claims and frequently asked questions.