We buy home insurance in good faith. We expect that when it comes to the crunch, and you make a claim for flood damage, your insurance will enable you to recover your losses sustained through flood damage.
However, when that crunch time arrives, how do you go about submitting a claim for flood damage on your home insurance to reduce the risk of your claim being rejected?
In the first place you should have taken time to choose the right home insurance. However, It doesn’t end there.
1. Stabilise the situation
In situations such as an escape of water, ensure you stop the situation from worsening. Turn off the water at the mains or fix the leak. If you aren’t sure where the water is coming from, our escape of water teams have equipment to identify where the leak is coming from.
2. Inform your home insurance company
Once you’ve dealt with the initial emergency, it’s time to give the insurance company a call. Make sure you have your policy number to hand.
3. Check the process with your insurance team
Avoid the urge to throw out damaged goods at this stage.
If the claim is a relatively minor one, getting your insurance company to pay out should be straightforward, but in the event of a flood or a fire, your insurance company may want to send out a loss adjuster to take a look at your home and the damage it has sustained.
4. Gather your evidence
Use a permanent marker to indicate the highest level the flood water reached in each room.
Take photos or a video of the water damage and create an inventory of damage done to your home and your belongings.
If your insurance covers food thrown away, make a list of any spoiled goods and take photos where possible.
5. Plan next steps
Speak to your home insurance about covering accommodation costs for the duration you are unable to use your property and ensure you keep the receipts of any costs incurred.
If your property needs to be dried out, it’s important to act sooner rather than later to minimse secondary damage to your home and belongings.
Speak with your home insurance company about arranging to get someone in with a desiccant dryer or an injection dryer to start drying out your property straight away.
Rainbow international have flood damage restoration units around the country that are equipped with the right knowledge and equipment to dry out your property quickly and effectively. They can remove damaged belongings that are beyond repair and clean and restore your belongings that can be salvaged.
With more than 60 branches across the UK, there’s bound to be a Rainbow branch near you that are equipped and skilled to dry out your property and restore your home in the wake of a flood. You can find your nearest branch on our website, or give us a call on our 24/5 helpline 01623 422 488 365 days of the year.