What to do if your house floods


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How to make an insurance claim if your home has been hit by flooding


If your home has been hit by flooding it is most important for you and your family to stay safe.

Then there are a few things you can do to reduce any further loss and help progess any insurance claims you may wish to make.

What to do after your house floods

  • For help and advice during a flood call the Environmental Agency’'s Floodline on 0845 988 1188 for the latest information and tune into a local radio/TV stations. If you're advised to leave your home by the authorities follow any instructions they give and leave your property as secure as possible
  • Remember that water and electricity do not mix: do not touch sources of electricity while standing in water or when wet. If your electricity supply is not switched off ask a suitably qualified person to deal with this. Similarly, do not turn the gas on until it has been checked by a professional and it's safe to do so
  • During a flood do not walk through moving water: as little as 6ins of moving water can make you fall and the water might be concealing tripping/falling hazards beneath
  • Take photographs of any damaged goods and property
  • Do not throw anything away as it might need to be assessed
  • Ventilate the property by opening windows/doors as best as possible to allow fresh air to circulate, this will aid the initial drying process
  • If you are able, and it is safe to do so, remove mud, clean and disinfect.

James Dalton, Director, General Insurance Policy at the Association of British Insurers said: "Flooding brings misery to homeowners and businesses, which is why insurers are pulling out all the stops to help their customers recover as soon as possible.

"While it is too early to say what the cost of the flooding will be, insurers are geared up for events like this and have mobilised their contingency plans to help customers through this stressful time. "While it will take time for badly flooded properties to fully dry out, insurers will arrange temporary alternative accommodation while properties are uninhabitable."

Help for people living in high risk flood areas

If your property is listed in a high risk area you will more than likely be familiar with high costs for home insurance or have even faced difficulties getting cover at all.

But the introduction of a new government scheme, backed by Admiral and others in the insurance industry, called Flood Re hopes to change all that.

The scheme's aim is to give homeowners a wider range of home insurance options at more affordable rates. Flood Re works by charging all home insurers a fee, it's this fee plus other charges covered by insurers that pay for any associated flood claims.

Am I eligible for Flood Re?

The scheme is available on residential properties built before 2009. For the full eligibility criteria visit the Flood Re website

Contacting your insurance company after a flood

  • Contact your insurer for advice and to get your claim moving. If you have Admiral Home Insurance you can call us on 0333 220 2035 - lines are open 24 hours a day for new claims
  • To help us progresss your claim make sure you have the following details when you call - your policy number, full address of the property covered, the date and time of the incident, the cause of the loss or damage, claims value if known, details of any person responsible for the incident, any relevant documents or photographs to support your claim
  • If necessary, arrange temporary emergency repairs to stop any damage getting worse. Tell your insurer and keep any receipts, as this will form part of your claim
  • Do not be in a rush to throw away damaged items unless they are a danger to health, as these may be able to be repaired or restored. Your insurer will advise
  • Only return to your home after a flood when it is safe to do so
  • It can take weeks, sometimes longer, for a property to fully dry out so do not be in a rush to redecorate. Your insurer can give you advice.

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