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With over 50 flood warnings across the UK this weekend, the 25th November 2012, here is some useful advice on how to find out if your are at risk and what to do:


  • Check the Environment Agency website & Met Office for flood warnings. You can use your postcode to find out the specific level of risk to your property.
  • Get an action plan. Ecclesiastical Insurance have a really good flood guide on their site which you should read Flood Action Plan.
  • If your property is at risk, alert your neighbours in case they are not aware and work together to prepare.
  • Ensure you have some clean drinking water in an elevated area and some convenience food that does not require cooking, you might want to stay in your property if the flood is temporary.
  • Have plenty of warm dry clothes as flooding will prevent heating and other services functioning.

Beware of  injury hazards:

Avoid going out into flood water, there can be currents and also under surface hazards such as debris.

Avoid opening doors and allow flood water in, even if water is in the premises already the contaminants and silts will mainly be outside.

Beware dangers of electricity & gas.

Beware of sewage & contamination, drink bottled water and use a sanatising gel/spray regularly.

Prevention of damage to property:

Flood water will find a way into property, however use of sandbags and barriers can prevent contaminants and silt carried by the water from entering  and causing worse damage.

Stock, contents and equipment can be moved off the floor to a higher level to prevent damage. If you cannot move property to an upstairs level, move it off the ground as best you can, if safe to do so  block up larger items on breeze blocks or similar to allow water to flow underneath.

After flooding:

Secure the property, costs of valid emergency repairs will be refunded by flood insurers.

Contact your utility supplier. Do not turn on services until your supplier confirms it is safe to do so.

Photograph and record a record  of the damage.

Call your Insurers or your Insurance Broker. Please be aware that Insurers can be inundated with calls after a flood, so you may have to be patient to get through to someone who can take your call.

Do not dispose of damaged property, keep it until Insurers have validated your claim.

Getting a business up and running

Flood repairs have moved on greatly in recent years and new methods are available to get businesses back up and running. One of the best solutions on the market can be seen on our blog Drying out Flooded Property.

Brand protection. Keeping your customer base is votal. Ensure you keep them advised of what you are doing to recover from the flood and when full service will be resumed.

Promotional campaigns. If you need to run a promotion to attract customers back, speak to your insurers about increased costs of working cover. Insurers will consider helping you mitigate a full business interruption claim by helping you recover your business.

Subcontracting work. Use other companies in your sector to assist you to fulfill contracts. Any increased costs of working in this way can normally be recovered from insurers if this leads to recovery of the turnover.

For further help and advice why not give us a call on 0845 4310 448 we will be happy to speak with you.