Whatever your business, the FSB will work for you.
Flood Advice from Towergate
- Advise Insurers as soon as possible. Try and ensure that you have your policy
details to hand if possible but don't let that delay things as insurance companies can readily search their database if
you are unable to provide your policy number. Many insurers have emergency
helplines usually included with your policy documents but if you can't find
these immediately try finding the insurer's website as
that will often have an emergency number. Failing that you could try the
website of the Association of British Insurers as they do list many of these
- Try to
arrange emergency repairs to prevent the damage from getting worse. Most
policies have a condition in them that require the policyholder to minimise the
damage. If you have a digital camera or a camcorder, it is a good idea to take
some pictures of the damage. Keep receipts.
vulnerable items out of danger if you can. Do not put yourself in
danger but sometimes you can move things out of the danger zone
- Try not
to dispose of anything. This is particularly important as you must
not dispose of the evidence. Only do so after you have had the go-ahead from
the insurers and/or loss adjuster. Make a note of who you spoke to and when and
if you can record the call then it is helpful in the event of disputes. If
damaged items represent a potential health hazard them it might be possible to
dispose of the items but try to avoid this if you can.
- Try to
put a monetary value of your claim. Easier said than done in the
heat of a disaster but the insurers are trying to ascertain what needs to be
done. Try to stay calm. They will possibly be inundated with many claims and
they are trying to work out who needs emergency action and who can wait. If you
can give them an approximation ( i.e., it is going to be
hundreds/thousands/tens of thousands worth of damage - whichever is applicable.
You can always preface your figure with the words "don't hold me to this but my
best estimate at the moment is £……..).
might want to appoint a Loss Adjuster. Insurance companies usually
appoint loss adjusters on claims where they think the claim will be over a
certain figure. This can vary from insurer to insurer but £5000.00 is usually
the threshold. This is one of the things they will be looking to decide in
respect of point 5 above.
- The Loss
Adjusters will be very busy and probably a little overwhelmed. Try and
be patient – it will often work in your favour as the adjuster will be under a
lot of pressure to be in many places at once. The loss adjuster is doing a hard
job and isn't looking to do you down - but will be looking to ensure that the
claim costs his customer (the insurance company) and little as possible. If you
can try to stay amicable it will often help make the adjuster look upon you
- Be aware
that there are Loss Assessors who will act for you for a fee. They are
not the same as loss adjusters. Assessors work for the policyholder and they
charge fees. Most are reputable and can provide a very helpful service. At the
FSB Insurance Service we do know reputable companies and can provide you with
their contact details if you need them.
- Dehumidifiers. These are machines that remove moisture from the air and
environment within a building. They are at a premium at times of flooding as
demands are high. Local resources may become scarce fairly early on. Ask your insurers if they can arrange for them for you - possibly by contacting a
specialist cleaning company. Some times it is worth contacting a company from
an area unaffected. Remember they consume a lot of power and you may need
to claim for the increased cost of electricity but that is a concern for another
day. Please remember that flood water is usually full of nasty contaminates. Do
not put yourself in danger and try to protect yourself at all times.
- Keep all receipts and do not pay
cash for tradesmen/opportunist "cleaning" companies who "just happen to be
passing". Insurance companies like to have receipts for all
repairs/clearing up operations. It is worth insisting on proper headed invoices
that can be verified at a later date.