Read about what you should do in the event of a claim for damage to your property by a storm or flood. We also provide a few tips on how to prevent or reduce the amount of damage caused by flooding.
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Storms and floods are impossible to prevent, but the following are ideas to help prevent excessive damage:
Further information can be obtained from the Environment Agency's ‘Preparing for Flood' leaflet contained on their website www.environment-agency.gov.uk (opens in a new window).
LV= will do everything they can to help you as quickly as is practically possible, should you or your home suffer the effects of flooding. Where possible, we'll try and contact you if you are in a known affected flood area however, should you need to make a claim, please contact us as soon as you can on 0845 640 5630, lines are open 24 hours a day, 365 days a year.
If your home is badly damaged by flooding, we are likely to commission a loss adjuster to contact you to assess the damage in detail, arrange alternative accommodation (our buildings and contents policies provide up to £25,000 of cover) and plan the restoration process. In normal conditions, your loss adjuster will get in contact within 24 hours of you contacting us, however, after a major flood, this may take longer both due to the volume of claims and difficulties accessing areas affected by flooding. Nevertheless, you should hear from your loss adjuster within 2 days of contacting us.
Once the loss adjuster has completed their initial assessment, they should be able to provide you with an approximate timetable outlining what needs to be done to restore your home, who will do it and how long it will take.
As your insurer, LV= will organise the cleaning and stripping out of your home. If necessary we may employ a specialist cleaning firm to do this, often known as a disaster restoration firm. The first step to restoring your home is to remove any silt and other debris left by the floods, to clean affected areas, and to check the gas and electricity supplies and appliances. This will be followed by ‘Stripping out' your home where necessary- this is likely to include removing damaged and wet furnishing and fittings as well as damaged plaster or woodwork.
After cleaning and stripping out your home, the next stage is to disinfect affected areas. Drying homes can take some time – months in the event of a serious flood. The disinfecting and drying process must be completed before repair work begins because otherwise the repair work will not be sustainable and the damage may reappear in the future.
LV= are likely to appoint a building contractor to undertake the repairs and reconstruction work. We will only employ builders that meet our criteria and are competent to do the work. Any repair work is guaranteed, giving you peace of mind should any issues arise in the future.
The repair and reconstruction work should commence shortly after your home has been issued with a certificate confirming that it is fully dried out. Once your home is dry, work can begin to restore and repair your home, including re-plastering and fitting a new kitchen where necessary.
LV= will discuss with you when it is safe for you to move back into your home following any flood damage. Depending on the degree of damage, you could be back in your home just a few weeks after the flood.
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