24 September 2015

Posted by Discount Insurance on Thursday, September 24, 2015
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The impact of flooding can be devastating for home owners, both emotionally and practically.

There are two methods of protection against floods – flood resistance and flood resilience.

Resistance helps prevent water getting in to buildings while resilience ensures minimal damage if water does get in.

Examples of flood resistance measures include:

-         - Removable barriers for doors and windows
-         - Temporary seals for doors and air bricks
-         - One way valves on drainage pipes to decrease the risk of sewage backing up into a building
   during a flood
-         - Pump and sump systems which drain water from below floor level faster than it rises

Here are a few top tips on how to avoid the heart breaking loss of irreplaceable possessions and costly repairs:

·         Keep Informed – make sure to stay up to date with the weather forecast and to check the Met       Office to make sure you are aware of any threats coming our way.

·         Move valuables and documents – try to move your most valuable possessions and electrical       goods off the floor, ideally upstairs if possible. 

·         Protect irreplaceables  - you might have insurance, but no amount of money will restore items       of sentimental value such as photos. These should be packed in waterproof bags and put               somewhere safe and high up. 

·         Stock up on sandbags – invest in sandbags and flood boards to block doorways and protect
      your home. They may be expensive and temporary but they will be worth it.

·         Protect soft furnishings – lift curtains over the rails so that they don’t ruin in the water if it             reaches a significant height. Rugs can also be moved upstairs to protect them from flood water.

·         Pack a flood kit – put together an emergency kit beforehand, containing any essential                     medication, personal IDs and a change of clothing in case you need to evacuate your home.

·         List useful contacts – make sure to keep important phone numbers at hand, such as the               Floodline (0345 988 1188) and your home insurance provider and policy number. 

If the flood is deeper than 1 meter, it could be necessary to allow the water in to your home as this depth can create sufficient pressure to cause walls to collapse and thus result in serious structural damage. This is where resilient measures come in, such as:

·         Raising items such as boilers, wall sockets and meters above the flood level
·         Replacing timber floors with concrete and carpet with tiles
·         MDF or chipboard kitchen or bathroom units can be replaced with plastic or steel alternatives
·         Have plastic skirting boards, doors and door surrounds or alternatively varnish these thoroughly       to limit water damage

It is important to discuss these changes with a surveyor to decide on the best measures and to inform and discuss with your insurers to see how these changes will affect your insurance policy and cover.

If you aren’t covered or would like a competitive quote on your home insurance, contact Discount Insurance for a quick quote on 0800 294 4522 today!