Flood damage normally occurs by the escape of water from its natural boundaries such as rivers, lakes, reservoirs, canals, drains and sewers. It also includes flooding by sea water which has damaged coastal properties.
To be covered, the flood water should originate from an external source and would normally stem from a natural occurence i.e. high tides. Any damage caused must have happened during a single incident or over a short period of time i.e. a few days of particularly heavy rain or storm.
Most home insurance policies will cover damage to your property and contents, provided the property is not located in a designated flood plain.
In addition, alternative accommodation may be necessary if your home is uninhabitable as a result of flood damage. This can take various forms; bed and breakfast, hotel, allowance for staying with friends or relatives, or rented accommodation if required for a lengthy period.
Contact us to discuss what is covered by your policy and if you have a claim, we will seek to secure the maximum settlement amount for you. In addition, if you require a building contractor or tradesman to carry out any reinstatement works, we have a panel of trusted contractors who we can recommend to you.