How to minimise your risks if your home is on a flood plain
If you live on a flood plain, then the risk of flooding is obviously a major concern. There are though, a number of things that can be done to reduce the risk, and subsequently help you get a reasonable level of home insurance cover. Putting in preventative measures can make a big difference to your premium, and more importantly, how your home may survive in the event of flooding.
Flood Risk Survey
Getting a mitigation survey carried out, will not only help you to decide what action you can take to protect your property from flood damage, but it may help to reduce your insurance premiums. The survey can also confirm, that any action you have taken to prevent flooding, has been professionally and correctly installed, again helping with the cost of insurance premiums.
You can buy air brick covers and install
door and window guards. Free standing flood barriers may be erected if a warning
has been issued. Any flood defence products that you install, that have the
British Kitemark, are likely to be better received by your insurance provider.
Plywood sheets can be used to cover windows and doors. Sandbags can be used
along the doors sills, or anywhere you think the water may gain access to your
What to do After Being Flooded
Clean up and remove any debris where it is
safe to do so, saving any valuable items for inspection by your insurance
company. Try to ventilate the property as much as possible to help it to dry
out. Portable dehumidifiers can be a great help.
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