Homeowners warned to brace themselves for flood damage

With scores of flood warnings and alerts in force across the UK, Lloyds TSB Insurance is warning those in areas at risk to prepare themselves and their homes for the impact of the harsh weather.

So far, 29 flood warnings have been issued across the country, one of which is severe. 119 areas are on flood watch – a lower state of alert.

As the debate on the impact of climate change heats up, severe flooding remains a problem on the increase and the insurer has published a set of guidelines to help those who will need to make an insurance claim for damage to their home or possessions:

Check what damage your policy will cover.

Telephone your insurer as soon as possible - they will register the claim and either send a claim form or, if necessary, a loss adjuster to assess the damage.

If temporary emergency repairs are necessary, arrange these immediately and keep receipts, but also let your insurer know as they may wish to inspect the damage before permanent repairs are carried out.

If your insurance provider has a 24-hour helpline they will probably be able to give details of local tradespeople.

Don’t throw away any damaged items, as your insurer may want to inspect them.

Before you return your claim form, double check you have completed all the sections - and sign it - as gaps and omissions will hold up your claim.

Attach any receipts for damaged goods to your claim form - but keep a copy for your own records.

Always have your policy number to hand when you telephone your insurer, as you will be asked to quote it.

Find out whether your insurance covers temporary accommodation if your home has become uninhabitable.

If you have any queries or problems, contact the person from whom you bought the insurance.

If you are flooded do not use electricity or gas, or drink tap water, until the all clear is given.

Phil Loney, managing director, Lloyds TSB Insurance, said: “The number of flood warnings in place is cause for concern, but with the right preparation and know-how, it is often possible to get things back to normal relative quickly, if your home is damaged.

“If you have been hit by floods, you should get in touch with your insurer straight away and follow our step by step guide, which will help ensure your claim is processed quickly and efficiently.”