1. ITV Report

Advice from insurers for people affected by floods


Homeowners and businesses affected by the severe weather are being advised to contact their insurer as soon as possible.

The Association of British Insurers (ABI) said firms are "fully geared up" to help customers get advice and arrange repairs, with 24-hour emergency helplines in operation.

The ABI has issued the following tips for those affected:

  • If necessary, arrange temporary emergency repairs to stop any damage getting worse. Tell your insurer and keep any receipts, as this will form part of your claim
  • Do not be in a rush to throw away damaged items, unless they are a danger to health, as these may be able to be repaired or restored. Your insurer will advise
  • Only return to your home or business after a flood when it is safe to do so
  • It can take weeks - sometimes longer - for a property to fully dry out so do not be in a rush to redecorate. Your insurer can give you advice about this
  • If your home is uninhabitable while repairs are being carried out, your insurer can arrange for and pay the cost of any alternative temporary accommodation you may need
  • Commercial policies will cover damage to premises and the stock. Business interruption cover (which may be included or purchased separately) will cover additional trading costs, such as hiring temporary alternative trading premises if necessary
  • Comprehensive motor insurance covers the cost of repairing or replacing vehicles damaged by flooding

Contact Floodline for information about flooding on: 0345 988 1188. Lines are open 24 hours a day.

Environment Agency incident hotline: 0800 80 70 60

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