Damage Control: What to Do When Facing a Flood
The idea of anything happening to our home whether it is the result of someone else or a natural event that cannot be prevented is beyond upsetting and not something we ever want to have to face. For some people however it is a very real reality and measures need to be taken to prepare for the worst and attempt to repair any damage that may be a result. Some people are sadly located in places that are more susceptible to natural events that will invade the home and cause horrific amounts of damage, the worst being a flood.
Certain areas are more likely to face flooding during certain times of the year and they need to be prepared for what this event may cause and ensure there are things in place to help deal with the aftermath. Making sure your home is insured and protected can help repair the damage and although personal effects cannot be replaced the structure of the home and the living conditions will be restored. When moving to an area that is prone to flood damage, it is essential to have your budget direct house insurance up to date to make sure you are covered in this eventuality.
Always be Prepared…
- If you live an area that is notorious for flooding it is crucial that you are prepared as possible. Make sure you sign up to regular weather warnings so you can put measures in place to begin to protect your home.
- You need to thoroughly look over your insurance policy to see the areas that you are covered for such as flood damage, surface water, river flooding, etc. Insurers will be specific so make sure your policy is accurate.
- Flood risk surveys on the home are essential before you buy the property. You need to be fully aware of all the things that come with the house before you buy, even if it is a large amount of water on a regular basis.
- Add flood resistant installations to your home. Purpose made door and window openings to escape the water, flood skirts, guards for openings, airbricks in exterior walls and water resistant treatments are all designed to allow the house to try to withstand the flood and limit the amount of damage.
- You cannot prevent the water from coming or even stop it from entering the home once it has arrived but you need to be aware as soon as possible what could happen and put measures in place that will protect your personal effects. Move important things to the top of the house and invest in waterproof storage.
- Make a clear flood plan should the worst happen. Contact numbers, escape strategies, and things that can be done that can either hold off the water for as long as possible or limit the amount of damage that is done.
- Should a flood happen, notify your insurer at the earliest opportunity. Not only do you want your home back to normal as quickly as possible but they need to make a full assessment on the damage and allow the water to subside before work can take place.