The country is bracing itself for yet more appauling weather and many are facing the daunting task of cleaning up after a flood and making an insurance claim. With the current credit crunch hanging over us and making anything financial difficult, these points could help you and put you in a better position when putting in a claim.
First and foremost you should not return to your property until it is safe to do so. Flood water brings with it a host of chemicals and sewage as well as causing damage to structure and dislodging items which could create hazards in your home that you are not aware of.
The following information should help you with the process of getting your life and home or business back on track after a flood.
Tips for a successful insurance claim after a flood
* Collect photographic evidence of the damage
* Mark the water levels on the walls for reference
* Keep all correspondence between you and your insurers
* Keep all receipts from emergency repairs as this can go towards your claim
* Get advice where major repairs are needed – your loss assessors will be able to help with this
* If you need alternative accommodation then check your policy – you should be covered
* If you have to seek alternative accommodation, then make sure that your insurance company and loss assessor know where to contact you.