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Flood damage claims

Written by Salman Haqqi, Senior Personal Finance Writer

24 February 2020

As flooding hits many parts of the UK, money.co.uk comments on what to do if your property has been affected.

As flooding hits many parts of the UK, money.co.uk comments on what to do if your property has been affected.

Salman Haqqi, personal finance expert at money.co.uk, said: "If your home has been hit by flood damage you should speak to your insurer as soon as possible. They may need you to take emergency steps to minimise the impact of the water, until they can process your claim and sort proper repairs.

"Take photos and videos of the damage and note down the time it happened so the insurer can tally this up with weather reports. When you make your claim submit 'before' photos and videos, if you have them, proving the state of your property before the flood hit.

"It's the buildings insurance part of your policy that will pay out for structural damage so check your policy to make sure you have the right sort of coverage. If you're a homeowner who has contents-only cover, the damaged items in the home should be covered but any damage to the property itself may not be included.

"If you're a tenant, speak to your landlord who will need to make a claim on their insurance or cover the cost. Most home insurance policies offer little in the way of cover for property outside your home, such as the garden or driveway, although it's always worth checking your documents and speaking to your provider."

press@money.co.uk

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Salman Haqqi

Salman Haqqi, Senior Personal Finance Writer

Salman Haqqi spent 10 years as a journalist reporting in several countries around the world. He left the world of journalism to pursue his passion for personal finance.

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Joel Kempson

Joel Kempson, Personal Finance Writer

Joel Kempson devotes his time to helping people navigate the world of personal finance and make informed decisions about their money. He spent his early career writing about TV, movies, comic books and rock music.

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