home owners advice | Towergate Risk Solutions

Towergate has issued the following advice to homeowners to protect against flood damage:

As long as you have an up to date household buildings and contents policy, you should be covered against damage by flood
People affected should contact their broker as soon as possible. Telephone your broker as soon as possible to arrange for repairs to be carried out
Speak with your broker about an interim payment to help you replace equipment and/or carry out repairs so that you can secure your property
Close up building openings and physically secure your property (e.g. board up broken windows) to prevent additional rain damage and looting
Move as much as possible upstairs as soon as you hear the flood alert
Get advice where detailed, lengthy repairs are needed. Your broker or loss adjuster can give advice on reputable contractors and tradesmen if required
If necessary arrange for temporary repairs to be carried out to stop any damage getting worse. Keep receipts, as these will be needed for your insurance claim
Most policies will cover the cost of alternative accommodation (up to a specified limit) if you need to move out of your home while it is being repaired
Comprehensive motor insurance will cover damage caused to vehicles
Do not use electricity or water supplies until the all clear is given
Where there has been flooding, disinfect floors and furnishings. Where practical, leave doors, windows and cupboards open. If possible, keep rooms heated
Keep careful track of all losses and damage-related expenditures. Document all losses with photographs or video
Do not destroy or throw away any damaged items without checking first with your broker. Only move damaged material outside if it is seriously in the way and exposure to the elements won't make damage worse. Make sure your broker knows where to contact you
Call the 24 hour Environment Agency floodline on 0845 988 1188 for information on flooding in your area.

Flood advice for homeowners