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Flooding and home insurance
For some homeowners in areas of high flood risk, getting a home insurance
policy can be extremely difficult. The impact of flooding can be absolutely
devastating, and it is more sensible to be aware and take preventative
steps than to try to repair the situation following the flood.
The Environment Agency has released a comprehensive document entitled
‘preparing for floods’ that suggests ways to limit flood
damage to property and possessions. A few simple measures can be followed:
Knowing how to shut down gas and electricity
Storing valuables in dry areas
Obtaining temporary flood barriers
Fitting valves to prevent sewage backing up
There are numerous more comprehensive methods to ensure that your
property remains less damaged by flooding. Storm proofing is always
a good idea, and tips for this include:
Securing all guttering to the property
Make sure no part of your house (hanging baskets) or garden (sun lounger)
can blow away.
If you think that your property could be prone to flooding, it is
essential to insure both buildings and contents. Although storm damage
won’t usually affect the structure of the house, in the UK at
least, flooding could decimate your contents.
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