Reports of flooding have died down this month but warnings from the Met Office continue. Since this year has seen some of the worst flooding for several years it is, perhaps, wise to heed these warnings even though the weekend just passed saw sunshine for many parts of the UK– mainly the south east – with temperatures in the low thirties.

Severe weather was predicted, though, for the North of England, the Midlands and the South West meaning that floods were indeed possible. A “risk of localised surface water flooding” was how the Met Office described the weekend’s weather and so, the public is forced, yet again, to think about flood insurance and flood defences. Both are currently a “hot topic” as talks between the Association of British Insurers (ABI) and the government are yet to develop into anything tangible, causing thousands of homeowners to worry about losing out next year when the present insurance Statement of Principles runs out.

This is not, however, a consideration of British weather trends. Thanks to the ABI consumers are able to better prepare for flooding and take appropriate action when it does occur as they have published a consumer information “advice guide” to flooding. The document states that if you have suffered flood damage to your property or contents you should:

  • Contact your home insurer as soon as possible. Most will have 24-hour emergency helplines, which can give advice on next steps and arrange repairs as quickly as possible.
  • If necessary, arrange temporary emergency repairs to stop any damage getting worse. Tell your insurer and keep any receipts, as this will form part of your claim.
  • Don’t be in a rush to throw away damaged items, unless they are a danger to health, as these may be able to be repaired or restored. Your insurer will advise.

If bad weather is forecast:

  • Make sure any unsecured items, like ladders in gardens, that can cause damage in high winds are secured.
  • Make sure that you have emergency contact numbers for your insurer, local authority and utility companies to hand in a safe waterproof place.
  • Listen out for bad weather warnings on local radio and TV.

The above advice is useful but will not solve the issues brought about by stunted discussions between authorities that govern the insurance industry. It is vital that consumers and people whose homes are “at risk” of flooding are provided with a long-term solution to what has proven to be a frequently occurring problem.

What’s more, it is the responsibility of insurers and insurance brokers to provide suitable flood insurance to those that require it. That is why we offer Academy Insurance offers a range of competitive flood insurance policies that are suited to you.

Why not give us a call to see how we can help you or request a call here?