How to make a flood related claim - working with your insurer

Insurance, protection, flood advice

Your insurer will ask you for various details which will help them begin the repair process. The following will give you an idea of the process your insurer will need to take you through to get your property habitable once again and settle your claim. They will:

• Confirm the level of cover you have for funding alternative accommodation and help you with the immediate costs of
  finding somewhere to stay.
• Arrange for a loss adjuster and other specialists to visit your home to assess the damage.
• Arrange for emergency pumping to remove any remaining water before stripping away all the damaged items that cannot be saved or repaired.
• Dehumidifiers will be installed to begin the drying out process, which may take weeks or even months depending on how long the water was in the property, how deep it was, and the type of property flooded. This needs to be done very carefully because if it’s done too quickly, it can cause cracking in the structure of the property and cause
  long term problems.
• Insurers will then organise a tradesman/supplier to begin disinfecting the property and putting anti-mould chemical treatments on the property before the next step which is restoration of the building.
• Repair work will get underway as soon as possible. This will consist of general restoration, repairs, and decoration.
  For example, the replacement of kitchen units if they were damaged beyond repair, new wiring, laying carpets, tiles
  and decorating a property prior to the furniture being replaced within the terms of your policy.
  

What to expect when making a flood claim » more