You are here: Home - Insurance - News - Understanding -

Flash flood warning: how to protect your home

0
Written by: Chrisina Hoghton
27/07/2018
The current hot weather increases the chance of flash flooding, when a vast amount of rain falls within a short period of time in a localised area.

The Met Office has issued an amber warning with thunderstorms likely across England. It said flooding of homes and businesses is likely and could happen quickly, with damage to some buildings from floodwater, lightning strikes, hail or strong winds.

As such, fast flowing or deep floodwater is likely which could cause danger to life.

Summer flooding is unpredictable, but the impact can be just as devastating as winter rainfall – and it doesn’t always hit those homeowners who are usually at risk of flooding, so people are not always prepared.

Jessica Turner, senior manager, weather modelling, at  Lloyds Banking Group General Insurance, said: “In the UK, summer flooding can be much harder to anticipate than winter rain. The warmer months tend to be more prone to flash flooding as the land surface heats up during the day, causing powerful updrafts and sometimes convective storms.

“These storms can lead to large bursts of rain falling within short periods of time and in localised areas. Climate change and an increase in urban development can contribute to the threat of surface water flooding.

“Older drainage systems can be overwhelmed by the increase in rainfall on paved surfaces which can’t absorb water.”

Top tips to fight flood damage

Lloyds Bank Home Insurance has published these top tips for homeowners impacted by flooding:

1. Check you have the right level of cover in place and keep your home insurer’s policy details and telephone numbers to hand in case you need to make a claim

2. Keep a home emergency kit prepared in case of an emergency such as a flood or severe storm. This could include sandbags, torches, spare bulbs and batteries, your home insurance documents, emergency contact details, tinned food, warm clothing and blankets

3. Place sandbags outside doors, airbricks, windows and any other holes to reduce the amount of water entering your property

4. Turn off the mains supplies of water, gas and electricity and unplug all electrical items, storing them upstairs or as high as possible

5. Disconnect pipes to washing machine and dishwashers to avoid damage if appliances move during the flood

6. Move as much furniture as possible upstairs, weigh down large items that can’t be lifted with sandbags so they don’t move and cause damage

7. Empty contents of cupboards and drawers and store upstairs or as high as possible, especially sentimental items

8. Take photographs of damaged items as it may help your insurer to settle a claim.

There are 0 Comment(s)

If you wish to comment without signing in, click your cursor in the top box and tick the 'Sign in as a guest' box at the bottom.

Are you a first-time buyer looking for a mortgage?

Look no further, get the help you need by searching for your perfect mortgage

Five ways to get on the property ladder without the Bank of Mum and Dad

A report suggests the Bank of Mum and Dad is running low on funds. Fortunately, there are other options for st...

The essential Your Money guide to the April 2018 tax changes

As we head into the 2018/19 tax year, a number of key changes take place to existing policies while some new i...

A guide to switching energy provider

All you need to know about switching from one energy supplier to another.

What will happen if rates change

How your finances will be impacted by a rise in interest rates.

Regular Savings Calculator

Small regular contributions can build up nicely over time.

Online Savings Calculator

Work out how your online savings can build over time.

Having a baby and your finances: seven top tips

We’re guessing the Duchess of Cambridge won’t be fretting about maternity pay or whether she’ll still be...

Protecting family wealth: 10 tips for cutting inheritance tax

Inheritance tax - sometimes known as 'death tax' - can cause even more heartache for bereaved families. But th...

Travel insurance: Five tips to ensure a successful claim

Ahead of your summer holiday, it’s important to make sure you have the right level of travel cover or you co...

YourMoney.com Awards 2018

Now in their 21st year, our awards recognise the companies offering the best products and services to consumers

Money Tips of the Week

  • According to @YourMoneyUK the #Govt is considering a Care ISA’ which would be exempt from #inheritancetax. Could th… https://t.co/hPVZZfdyDr
  • RT @unitetheunion: “We need tough action against unscrupulous debt collection agencies who prey on people’s misery to ramp up the debt thro…
  • RT @unitetheunion: “We need tough action against unscrupulous debt collection agencies who prey on people’s misery to ramp up the debt thro…
Read previous post:
peer-to-peer
Tougher P2P lending rules proposed over poor practice concerns

The city watchdog has proposed a number of measures to tighten up control of the peer-to-peer lending sector following concerns...

Close