Insurance skilled reveals the errors that might invalidate your home insurance after a flood – Ultimate House

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  • Heavy rains in recent weeks have made flooding a sad reality in many parts of the UK. Whether you've experienced a minor leak or a fully flooded kitchen, you might be looking for tips on water damage insurance claims.

    The first place to go if you are concerned about a potential flood is figuring out how to spot the signs of a leak. This will go a long way in protecting your home, but in some cases floods are inevitable and you will have to rely on your home insurance.

    Tips and mistakes in water damage insurance

    Unfortunately, insurance payouts aren't automatic and don't always run smoothly, especially if you are the victim of common mistakes that could invalidate your claim. An insurance expert shared his real estate advice on taking out insurance after water damage.

    Credit: Sollina Images / Getty

    1. Don't take photos of everything

    It may feel like a grim task – why would you want to document damage to your beloved home? – but according to Kevin Pratt, Insurance Expert at Forbes Advisor UK, this is a critical step in ensuring that you are collecting all the information the insurance provider needs to assess your claim.

    "Your insurer wants as much information as possible about the extent of the damage, so it's a good idea to photograph each room," said Kevin. Once you've sent in all of the information and photos, "the insurer can send a claims adjuster to determine the value of your claim – they should help you fill out the paperwork and follow the correct procedures."

    Dehumidifier at work in an apartment that has been damaged by flooding

    Photo credit: Westend61 / Getty

    2. Start repairing your home right away

    This, too, is an understandable impulse, but before you get down to it, you may encounter problems with taking out insurance. Kevin does not recommend doing anything until you get the go-ahead from insurance.

    “Unless these repairs are essential to keep your safety while you are still in the property, or to prevent further damage. Keep receipts for any work done, ”he says. The same applies to throwing away damaged items – do not do this until the insurer has approved it.

    Lightning speed mop 3

    Photo credit: Polly Eltes

    Kevin also explains that for insurance reasons, it may be necessary to follow your insurer's advice on drying and repairing your property. “A claims adjuster should advise you on how to dry your property and return it to its original condition. The appraiser is appointed or employed by your insurance company. "

    "Anyone who primarily represents their interests, for example because of a dispute about the claim you have made, can hire a damage assessor – but that will probably cost several hundred pounds."

    3. Do not consider flood protection for the future

    "If it looks like flooding is going to be a regular problem at your address, you could ask your insurer or landlord to fund flood control measures as part of the repairs," explains Kevin, pointing out that not many people do to know.

    "This can include putting moving barriers on doors, windows, and airbricks, lifting electrical outlets and appliances, and adding waterproof surfaces wherever appropriate." Again, this requires an assessment but is worth it if you suspect that you may be flooded again in the future.

    Make sure these heavy August rains keep you out of your pocket and avoid these mistakes.

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