CommercialJuly 27, 2018

Fear of the flood? Read The Insurance Centre’s Top Tips…

At an estimated cost of over £1.5bn, many regions of the UK are still recovering from the impact of storms Eva and Desmond in 2015-16. With heavy rainfall predicted for the coming months, the Environment Agency has urged people to be prepared for more flooding.

Severe weather means that properties previously not considered to be situated in flood-prone areas may be at risk. Have you checked if your property, whether commercial or private, is situated in a flood risk area?

The very first step to protecting your home or business is to devise a plan which can be activated if and when flooding is imminent. Creating an in-depth, structured plan will allow you to respond to flooding in a timely manner and therefore minimise risk and damage to your property. Here are some tips on what your flood plan should include:

Contact list

Create a list of contact details of businesses or people whom you may need to get in touch with in the event of a flood. This should include insurance providers, service providers, local disaster relief agencies and if you own a business, contact details of your employees. The Environment Agency’s floodline number is 0345 988 1188.

Service cut off points

Make a note of where the service cut off points for water, gas and electricity are located on your property. It might be helpful to label the locations on a printed map and include instructions on how to operate each system.

Important documents

Write down where important documents (insurance policies, customer files, evacuation plan) are located within the building. Protective actions Have you thought of ways you can protect your property and minimise risk? Steps could range from moving electrical sockets higher up the wall to installing shelving and making copies of important documents. Write down actions applicable to your home and/or business and tick off when completed.

Advice for staff

Your plan should include information for your staff on evacuation processes and meeting points in the event of flooding. Flood water can pose various health risks including a number of diseases and chemical hazards. Employees must be aware of these dangers and know how to protect themselves.

Action checklist

Finally, your flood plan should include an action checklist; a list of tasks to carry out when there is a high risk of flooding. These tasks may include moving furniture and electrical items to safety, covering items in protective materials, or rolling-up rugs and carpets.

If you’re a business owner, you need to ensure that all members of staff are aware of the flood plan and know how to carry out prevention procedures. Also, make sure you check that your business and/or home insurance policies are up-to-date and provide you with sufficient coverage in the event of a flood.