If you have been unlucky enough to have suffered a flood there some things you can do to help with your insurance claim and get your business back up and running as soon as possible:

  • You should contact your insurance broker as soon as possible after the flood has occurred and it’s important that you follow their advice.
  • Make sure you isolate any gas or electrical supplies if safe to do so.
  • Be aware of any water-borne diseases and implement appropriate hygiene precautions.
  • Keep away from low lying areas or basements which may contain harmful vapours and gasses until specialist clearance has been obtained.
  • Dispose of any items that are a health hazard but ask your broker about what should be retained for inspection by your insurance company.
  • Take photos of damaged items before throwing them away.
  • For carpets and soft furnishings, take a cutting as this can help your insurer in providing a replacement or making a cash payment.

Having the right information to hand when making a claim can significantly reduce the time it takes to process your claim:

Questions your broker will ask What information they will need
What’s happened? How was the flood discovered? Where did the water come from e.g. river or overflowing drain? Do you know how long it was from the flood occurring to when it was discovered?
Were you in the property at the time? When did you realise the floodwaters were approaching? Was any preventative action taken, such as placing sandbags in doorways, moving equipment to a different part of the building?
How did the water enter the property? Did the water come over the door thresholds or through the floor?
What damage has occurred in each part of the property? Is the building still flooded? If the water has subsided, has it affected the plasterboard, floorboards, machinery, computers? Are there any photographs of the inside of the property before damage?
Are the services working? Has the flood affected the Gas, Electricity or Telecommunications supply?
Were the premises occupied at the time of the loss? If no, when was the property last occupied? Why was no one there?
How many staff work there? Your broker will need to know how many staff are affected by the flood?
Are you still able to trade? If no, why not?
Are there any local premises available? Do you have access to alternative premises you can trade from temporarily?

Here at Sagars we are absolutely committed to do all we can to help our customers through this very difficult time. Our claims service is our most important offering and by working together with our customers and insurers, we are able to respond immediately and help our customers in their time of need.

If you have been affected by the recent flood, or would like some advice or further information please do not hesitate to get in touch.

For more information contact Sagar Insurances 01282 858250 or visit www.sagarinsurances.co.uk