Get your New Home Insured in Time for the Flooding Season
By MargaretProtecting your new home is crucial during the colder months of the year, but this year, prolonged rainfall demands that protection starts early. It’s not only important to obtain flood insurance, it’s also important to prevent damage from floods so the repairs are lessened.
MoneySupermarket flood insurance provides a number of useful tips for guarding against the potential for floods. And, if the recent floods in Wales have taught us anything, it’s that people can never be too careful when the British weather is concerned!
Effective Cover
Flood insurance plans should include both contents insurance and buildings insurance for homeowners, as this will protect the fixtures, fittings, and furnishings within the home and garden, including any outbuildings such as a shed or garage, and the structure of the home. Tenants only need to take out contents insurance as the safety of the building is the duty of the landlord.
Plan
It doesn’t matter whether your new home is in a flood-prone area or not. Flooding in recent times has been random throughout the country. Always prepare for the worst. This includes packing a survival kit with bottled water and energy bars, and having a torch and candles to hand.
Utilities
Whenever a flood strikes, it’s important to turn off the gas, electricity, and water immediately. Make sure access to these switches is clear at all times, as electricity and water don’t mix.
Sandbags
Many of the recent floods in Wales have shown that sandbags can’t always stop floodwaters, but they do stall it for a while. There will be much more damage to a home if sandbags are forgotten when the flood waters arrive.
The Roof
If there are any gaps in the roof, then it can compound matters if a flood commences. Water within the roof cavity can completely ruin things. It can also invalidate any claim on your insurance if the roof is deemed to not be in good order.
