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insurance
Levels of COver
Flooding
Flooding, and the difficulty of getting home insurance if you
live in a flood risk area, has been one of the big domestic stories
of the new millennium. Whether or not you can get cover it is normally
preferable to protect your property against flooding rather than
having to worry about claiming for damage after the event.
Since the impact of flooding is so devastating, it is important
that people in flood risk areas take action to protect their properties.
Much can be done to reduce the damage caused by floods - simple
measures can save you a considerable amount of disruption and money.
A comprehensive guide to help homeowners and small businesses to
improve the flood resistance of their homes and premises has been
published by the Environment Agency.
The "Preparing for Floods" guidance document contains
advice on simple, low-cost measures to limit damage to personal
property as well as suggestions on building alterations and designs
that help keep water out or reduce damage if flood water enters.
The guide is aimed at homeowners, small businesses, planners and
developers. Copies are available free of charge from the Agency's
24 hour Floodline 0845 988 1188.
In all cases, action plans should be based on an assessment of
the likelihood, probable depth and duration of floods in the locality.
The simpler measures include:
- Knowing where the gas and electricity supplies can be turned
off.
- Making sure important equipment and valuables can be stored
in dry areas.
- Considering temporary flood barriers for doors, windows and
air-bricks.
- Considering fitting valves to prevent sewage flowing backward
during floods.
More comprehensive measures include:
- Using materials for floors and walls that are more flood-resistant.
- Raising gas appliances, electric meters and sockets above the
flood level.
- Raising the planned floor level above the maximum flood level.
- Planning more secure and comprehensive drainage systems.
- Installing flood defenses within the landscaping of housing
developments.
- Designing buildings with living areas upstairs and a ground
floor used for garage and storage.
There are additional measures that can be taken to protect your
property when faced with storms and heavy wind:
- Keep guttering, drainpipes and overflow pipes securely attached
to the building and clear of debris or leaves.
- Make sure window boxes are well attached so they don't come
crashing down in a high wind.
- If you have a flat roof, check the sealant isn't cracked -
or you could have an indoor waterfall next time there's a big
storm!
Secure garden furniture and loose fence panels.
- If you live in a flood prone area, be sure that flooding is
covered in your insurance - it may not be. Many homeowners insure
the building but not the contents. Flood and storm damage doesn't
always affect the structure but you could find yourself facing
a big bill for damage to furniture, carpets, electrical goods
or treasured possessions if your contents aren't covered.
Further reading on levels of cover:
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