How to claim for flood damage

If your business premises are damaged in a flood, you'll want to take fast action to get up and running again. Here are some steps you'll need to take to put a flood claim into motion.

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Be prepared

It’s a good idea to keep a copy of all your business insurance documents, along with your business’ flood plan at home, just in case you aren’t able to access it following a flood.

A step-by-step guide to claiming for flood damage

It’s likely your insurer will have a 24 hour help line, so contact them as soon as possible and have your insurance documents to hand. 

  • Take photos of any damaged property, machinery and stock.
  • Don’t throw away any damaged items, as evidence may be required for your claim.
  • If you have to make any emergency repairs to stop any damage getting worse, tell your insurer what you are doing first and keep any receipts so you can reclaim the cost.
  • The exception is any perishable goods like food, which could become a health hazard if they are not removed. These should be disposed of, but remember to take photos as a record of what you are throwing away.
  • Your insurer is likely to send someone (a loss adjuster) to visit your premises and assess the damage.
  • While your claim is being processed, your insurer may be able to help with interim payments to help keep your cash flow going. You can support this by providing evidence of your business accounts.
  • If your property has been particularly badly damaged and can no longer be used, your insurer may also be able to help provide alternative business premises while repairs take place.
  • Your insurer will arrange for all drying out, cleaning, repairs and reconstruction that may be needed.
  • They should keep you informed about how the process is progressing and when you will be able to start trading again.

Published: 8th February 2017

Is your business covered for flood damage?

Business insurance policies should provide cover for flood damage to premises and stock.

Many business insurance policies also include business interruption cover, which insures firms against additional costs, like loss of income and hiring temporary premises. Business interruption cover can also be bought separately.

Check your policy to see what you're covered for, or speak to the insurer or broker you bought your cover from.

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