When claiming for flood damage on your insurance remember the do’s and don’ts below:
✓ Do telephone your insurance company’s 24-hour emergency helpline to get the process started as soon as possible.
✓ Do commission immediate emergency pumping and repair work to protect your property from further damage.
✓ Do get advice from your insurance company on reputable contractors and builders.
✓ Do check your policy booklet to see if the loss or damage is covered under your policy (see also your insurance company’s website). If so, check the limits of such cover.
✓ Do complete the claim form confirming the cause of damage and enclose repair/ replacement estimates.*
✓ Do check with your insurer if you have to move into alternative accommodation, as this is often covered by your policy.
✓ Do make sure your insurance company knows where to contact you if you have to move out of your home.
✓ Do keep an inventory of all your written and telephone correspondence with your insurance company.
✓ Do record the damage caused by the flood with photographs and/or video.
✓ Do mark the water levels on the walls for reference.
✗ Don’t begin any work without the approval of your insurance company.
If possible, don’t throw anything out before it is seen by an assessor. Alternatively, photograph items before disposal.
Remember, your insurance policy is not a maintenance contract. Normal wear and tear may not be included under your policy