AFTER A FLOOD
FLOOD SERVICES DIRECTORY
You can get up-to-date information about flooding in your area by checking the EA
website or by registering for the FREE Floodline Warnings Direct service.
After a flood
Recovering from a flood
• Take care as there may be hidden dangers in the flood water like sharp objects, raised manhole covers and pollution.
• Flood water could have caused structural damage to your property.
• In almost all cases the insurance company will send a loss adjuster to look at your property. They
will confirm what repairs and replacements are needed and covered by your policy.
• If you rent your property, contact your landlord and your contents insurance company as soon as possible.
• If you do not have insurance, your local council should be able to provide information on hardship grants or charities that may be able to help you.
There are a number of things to be aware of when clearing up after a flood
Flood water can contain sewage, chemicals and animal waste. Always wear:
• waterproof outerwear, including gloves.
• wellington boots.
• face mask.
If your electricity supply is not already switched off at the mains, get a qualified person to do this. DO NOT touch sources of electricity when standing in flood water.
You can get water out of your property using a pump and generator. Position the generator outside in the open air as generators produce carbon monoxide fumes which can kill.
Only pump out water when flood levels outside your property start to be lower than inside. This reduces the risk of structural damage.
Shovel mud away evenly from both sides of a wall. This stops pressure building up on one side.
You can clean and disinfect your property using ordinary household products.
A garden hose is useful for washing down. Do not use high- pressure hoses as they blast contaminated matter
into the air.
If you are drying your property naturally, keep doors and windows open as much as possible. If using dehumidifiers, close external doors and windows.
If you have gas or oil central heating and it has been checked by an engineer, turn it on. Keep the thermostat between 20-22 degrees centigrade for steady drying.
Local councils usually provide skips and extra rubbish collections for items that your insurance company has agreed you can throw away.
Dealing with an insurance claim
you may have to wait for a loss adjuster to visit you.
Ask the insurance company
• How long it will be before the loss adjuster visits.
• If you are to clean your property or if they will get a company to do it for you.
Always make your own record of flood damage
• Use a permanent ink pen to mark on the wall the height the flood water got to. Do this in every room affected by flooding.
•Photograph or video your damaged property. List the damage to your property and belongings.
• If your insurance policy covers you for loss of perishable goods, make a list of all the foods you throw away. Include any food touched by flood water and anything in your fridge or freezer ruined by loss of power.
Things to help with your insurance claim
• Confirm the insurance company will pay for any service or equipment you need.
• Make a note of all telephone calls. Record the date,
name and what was agreed.
• Keep copies of all letters, emails and faxes you send and receive.
• Keep receipts.
• Don’t throw anything away until told (except ruined food).
the insurance company may only offer to clean and repair something, not replace it.
Photograph or video record
your damaged property
Further steps to protect your property
As you plan your property repairs, you might want to
think about ways to protect it from future flooding.
There are things you can do whilst repairing your property
will make it easier and cheaper to clean up after a future flood.
Here are some improvements you can make
Discuss them with your loss adjuster and builder.
• Lay ceramic tiles on your ground floor and use rugs instead of fitted carpets.
• Raise the height of electrical sockets to at least 1.5 metres above ground floor level.
• Use lime plaster instead of gypsum on walls.
• Fit stainless steel or plastic kitchens instead of chipboard ones or have free-standing kitchen units you can move.
• Position any main parts of a heating or ventilation system, like a boiler, upstairs or raised well above the ground floor.
• Fit non-return valves to all drains and water inlet pipes.
• Replace wooden window frames and doors with synthetic ones. They are easier to clean.
Always use reputable building contractors. Beware bogus trade people calling door-to- door. Always check references and do not pay in advance.
Lay rugs instead of fitted carpets
on your ground floor
Flood repairs can take weeks or months to complete, especially if there has been widespread flooding and builders are scarce. It takes time to dry out a property and some buildings may have to be gutted before repairs can start.
Ask your insurance company or landlord if they will provide you with temporary accommodation. This could be a nearby bed and breakfast, a static caravan or a rented house. You do not have to accept the first place you are offered.
However, if flooding has affected many people, the choice of accommodation may be limited.
If you will be in a temporary property for some time, think about having your post redirected.
Your insurance company should provide you
with temporary accommodation
For more information
These organisations have advice, information and services to help you after a flood.
National Flood Forum
www.floodforum.org.uk 01299 403055
The Financial Ombudsman service
0300 123 9 123
The Construction Centre
The British Damage Management Association (BDMA)
07000 843 236
Citizens Advice Bureau
See local telephone directory
020 7549 3300
Health Protection Agency
01235 822 603/742