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The recent dry weather followed closely by thunderstorms sweeping the country has resulted in an increase in the number of flash floods reported.

By their very nature, they are quick to arrive offering little warning for homeowners and yet they can have a lasting impact on the state of the property as well as home contents should the water permeate the home. This of course has major implications on your home insurance.

Normally, flooding occurs reasonably gently with rivers overflowing their riverbanks slowly. Damp ground can also impact the volume of water as it can slowly percolate through the ground. Homeowners can anticipate rising water levels and take measures. For example, sandbags at the doors of the property and also moving contents to higher levels to at least keep their possessions protected.

The current weather we are experiencing has resulted in very dry ground, this, coupled with the intense volume of rainwater has exacerbated the occurrences of flash flooding as the ground is unable to absorb the excess water in such high volumes.

What can your clients do if they are faced with a flash flood warning?

  • If your clients live near a river, then it’s advisable to check that they have adequate drainage surrounding the property to ensure that there any excess water can drain away quickly. Especially if they have a large amount of paving or brick around the property.
  • Clients can sign up for flood alerts, so they at least have some time to try and act quickly to protect their contents.
  • Cover up air vents with plastic sheeting to prevent water entering the home.
  • Take photos of the property before and after a flood so that insurers can properly ascertain the damage to the property.
  • Move their cars to higher ground if possible, as ideally, they do not want two claims on their insurance policy if possible.
  • Don’t walk in the water as it could be contaminated.