Flooding and precautions – no laughing matter

August 14, 2012

Landlords Insurance

The first seven months of 2012 have been a period of almost continuous bad weather in much of the United Kingdom.

Ironically, given the fact that the year started with hosepipe bans and predictions of a nationwide drought, flooding has swept the country from one end to another and done millions of pounds worth of damage.  In fact, the final damage estimates are still being put together at this time and the estimations are escalating.

As is always inevitable following unseasonable weather of one form or another, experts and pundits are now trying to understand what, if anything, this weather means for the future.

While the debates on that one continue, what is certain is that it might be increasingly prudent to be prepared for flooding in future.  That particularly applies in parts of the United Kingdom that are low lying or simply close to major sources of water.

The government now has a website* offering specific flooding advice and preventative recommendations.  Of course, you cannot do much to prevent flooding itself but you may be able to take steps to reduce the potential impact on your property.

Some of the key themes of the government’s recommendations are:

  • make sure there that your home is protected by appropriate insurance providing flood risk cover – some simple landlord insurance may exclude this risk;
  • have an emergency cache of useful things such as tools and waterproof clothing, plus torches, batteries, first-aid set and a battery driven radio etc.;
  • make sure that you have a flood plan.  This outlines what you and others in your household would do if a flood was imminent or actually taking place.  Examples might include moving specified valuables to higher levels of your property, switching off gas and electricity supplies and making sure that critical documents were stored somewhere at the highest point of your house or in a waterproof container.

Some people consider preparing for a flood to be an unnecessary piece of paranoia, however, the extensive media coverage of the floods of 2012 might suggest that this is not actually the case.

Flooding is a major destructive force that can lead to huge disruption and potentially massive expense if you are not prepared for it and protected with adequate insurance.

Given the current predictions indicating that future weather in the United Kingdom may be rather less placid than it has been in the past, spending a little more time thinking about this area might be advisable.





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