Although the anticipated flood risk appears to have diminished in many parts of the UK, Lloyds TSB Insurance is warning homeowners in areas still at risk to stay on guard, in case they are hit by harsh weather now or during the coming winter months.
With incidents of severe flooding becoming increasingly common, the insurer has published a set of guidelines to help those who will need to make an insurance claim for damage to their home or possessions, now or in the future.
Check what damage your policy will cover.
Telephone your insurer as soon as possible – they will register the claim and either send a claim form or, if necessary, a loss adjuster to assess the damage.
If temporary emergency repairs are necessary, arrange these immediately and keep receipts, but also let your insurer know as they may wish to inspect the damage before permanent repairs are carried out.
If your insurance provider has a 24-hour helpline they will probably be able to give details of local tradespeople.
Don’t throw away any damaged items, as your insurer may want to inspect them.
Before you return your claim form, double check you have completed all the sections – and sign it – as gaps and omissions will hold up your claim.
Attach any receipts for damaged goods to your claim form – but keep a copy for your own records.
Always have your policy number to hand when you telephone your insurer, as you will be asked to quote it.
Find out whether your insurance covers temporary accommodation if your home has become uninhabitable.
If you have any queries or problems, contact the person from whom you bought the insurance.
If you are flooded do not use electricity or gas, or drink tap water, until the all clear is given.
The insurer is also reminding all homeowners of its website, http://www.helpimflooded.co.uk. The site was the first of its kind to be launched by a major insurer and is aimed at anyone affected by the recent floods, as well as homeowners worried that they may be at risk of future flooding.
As well as general advice on how to deal with the immediate consequences of flooding, the site includes:
A step by step guide to help people form local community groups as a way of raising their concerns with the authorities.
A section warning of the danger of rogue traders – and providing tips on how to spot them.
Preventative measures – including a guide for homeowners who want to find out whether they are at risk of flooding.
Advice for homeowners on what to do following a flood warning in their area.
A list of essential contacts for anyone at risk or affected by floods, including details of the Environment Agency and other insurance companies.
Phil Loney, managing director, Lloyds TSB Insurance, said: “Although the anticipated floods have not hit the UK as badly as expected this time around, there’s no changing the fact that this type of severe weather is becoming more common. That makes it more important than ever for homeowners prepare themselves for the worst.
“With the right preparation and know-how, it is often possible to get things back to normal relative quickly, even if your home is damaged. The advice we offer – and the information on our website www.helpimflooded.co.uk – is designed to help ensure that when you have a claim, it is dealt with quickly and efficiently.
Lloyds TSB buildings and contents insurance customers who need advice, or wish to register a claim, should call the claim helpline number given in their policy booklet, or contact their nearest branch.
Tags: Flood, flood risk