What to do before you report a claim
If you can, the first thing you must do is to try and limit any further damage or loss.
For example, if there is a flood:
- Place any valuable or electrical items in high cupboards or take them upstairs to reduce the impact of any flood damage.
- Turn off utilities such as stopcock, gas and electricity supplies.
- Dry out any rugs and items as quickly as possible. If you're a landlord advise your tenants to do this but don't lift the carpets unless it is really necessary as it might cause them to shrink.
Find out how to minimise flood damage.
For example, if there is a storm:
- Move storm damaged items somewhere safe and move any other vulnerable items to prevent them being damaged.
- Dry out any damaged rugs or soft furnishings. Don't lift the carpets unless you or your tenants really have to as it might cause them to shrink.
- Turn off your power at the mains if you think that cables are damaged. Leave them until they can be inspected by a professional. Don't touch electrical or telephone cables if they’re blown down or hanging loose.
- Carry out any temporary repairs to the building to reduce the risk of any further damage. Please ensure photographs of the original damage are taken and provided.
Find out how to minimise storm damage.
You must ensure that all receipts are kept and where possible, photographs taken of any damage. Both will be considered as part of the claim and will help with its settlement.