Most people don’t live close enough to water for their homes to flood. Thankfully, smart developers steer well clear of land in those areas. However, those of you who reside near rivers and lakes could face issues this winter. Weather forecasters are expecting heavy rain in the UK, and so now is the best time to learn about your options. If the worst happens, you need to know how to deal with it in advance. That is because you probably won’t have the luxury of researching it on the internet after your electrics stop working. So, take a read through this article and see if you can pick up some handy tips.
Call your home insurance company
Before you do anything else, you need to call your home insurance company and make them aware of the issue. In most instances, your policy will cover such acts of God. That means they might have to pay for a hotel room for your family until things are back to normal. Professionals from Aviva handle such cases all the time. If your home is still habitable, the insurers might send replacement furniture to keep you going. They might also consider a payout if you are entitled to cash. So, make sure you save the number in your mobile phone this Christmas just in case.
Save as much as possible
Many of your possessions could be ruined after a flood strikes. So, make sure you save as many of them as possible and put them somewhere safe. If your entire town or street has flooded, the local authority will probably provide a safe place for storage. You need to speak to emergency services and councillors as soon as possible. They will make you aware of any emergency centres in your local area. At the end of the day, some things have more than monetary value. Your wedding video and baby photos, for instance. So, make sure you keep them off the floor and in a place you can grab them quickly if the worst occurs.
Start repair work straight away
If your property is damaged by the flood, you’ll want to start repair work straight away. That means contacting local experts willing to undertake the job. Specialists from Pro-Dec Roofing told us they often have to deal with such issues. Maybe your roof has collapsed due to heavy rain? Perhaps your electric system has stopped working because there’s a huge puddle of water in your lounge? Either way, you just need to do some research and get in touch with the best tradespeople in the area. In most circumstances, your insurance provider will cover the cost.
Dealing with a residential flood is always a pain. It disturbs your routine and could end up costing a small fortune. So, if you’re one of those people who doesn’t pay for house insurance, make sure you get some quickly. At the end of the day, without that cover, you might have to empty your bank accounts through no fault of your own. That could upset your plans for Christmas and put you in a bad situation financially. Nobody wants that to happen, which is why you need to take heed. I hope it doesn’t happen to your family this year, but at least you now know how to start putting things right.