Be prepared for heavy rain and flooding | Landlord Insurance Cover

The UK has been hit by extremely torrential rain just recently so if you live in an area that is at risk from flooding do make sure you buy flood insurance from a reputable online broker such as http://www.thepropertyinsurer.co.uk/flood_insurance . News articles suggest that:-

• valuable items should be moved upstairs
• rugs rolled up
• curtains taken down
• sandbags placed outside exterior doors

If heavy rain is predicted it?s also a good idea to have contact numbers for utility companies at hand in a waterproof folder.

If your home has already been affected by flooding, contact your insurance company straight away to start the claims process, there are usually emergency contact centres that are manned twenty four hours a day. Remember to keep any damaged items as your insurer will want to see if they can be restored or repaired, rather than being replaced.

What happens if I don?t have flood insurance?

For those unfortunate people who don?t have the correct flood insurance in place, in the event of personal belongings being damaged by flood water means they have to pay for repairs or replacements out of their own pockets. This could run into many thousands of pounds so if you aren?t well prepared you may even have to sell your property to recoup the money you have lost.

It?s easy to see why having flood insurance is a sensible move especially if you live in a flood risk area. Online brokers are definitely the best people to get in touch with, they can provide a quotation so you can see just how much it will cost you plus there?s always a friendly adviser at the end of the phone who can answer any queries you may have.

Check the news for flood warnings

If the area you live in is susceptible to flooding the national news channel is the best place to check for flood warnings, keep an eye on your local newspapers too as they usually contain information regarding the weather and any flooding that may occur near your home. Having the best flood insurance protection could save you a lot of money in the long term as well as heartache especially when your personal belongings and contents of your home are being ruined by flood water.

The Environment Agency is doing everything possible to reduce the risk of flooding by creating more flood defences so this could also help householders.

Source: http://www.landlordpropertycover.co.uk/be-prepared-for-heavy-rain-and-flooding/

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