The British Insurance Brokers' Association (BIBA) says you should provide full details of the circumstances surrounding anything lost or damaged, plus any evidence of that. Take photographs of the damage to your home, its contents or your car, or film the footage. This may help provide proof.
How can I claim if vital documents are damaged or destroyed?
Often, when claiming, key documents or proof of possessions may have been washed away or damaged. So seek copies from the relevant provider, such as the DVLA for motoring documents, brokers or insurers for duplicate insurance documents, or utility providers and the Passport Office. Check Gov.uk for details on how to replace birth certificates.
What will insurers accept as evidence of ownership if items are really badly damaged, say, if personal possessions have washed away?
BIBA says any photographs of you with that item when undamaged, or held by friends and relatives, will demonstrate you owned it, and receipts, credit card bills or bank account statements that show purchases can also help.
Importantly, don't throw away damaged possessions without first discussing it with your claims adviser, as they will need to be assessed.
How long do I have to make a claim?
BIBA says this can vary by policy, but typically it's 180 days. It's always best to act as swiftly as possible.
Who can people turn to for help?
A broker should help, as will the insurer and its loss adjuster. You may appoint a loss assessor at your own cost for a larger claim. If there are any disputes, you can complain to the independent Financial Ombudsman Service.
What about protecting my home against a future flood?
With Storm Frank due to hit on Tuesday evening and the likelihood of further flood damage, insurance firm LV has provided the following tips for those most at risk:
Move possessions and important documents to a safe area (preferably upstairs) and move all electrical goods and valuables off the floor.
Put irreplaceable photos in waterproof bags and move them to dry areas if possible.
List useful contacts – keep important details such as your home insurance provider's phone number and policy number to hand.
Have disaster supplies readily available including flashlights, batteries and a first aid kit.
The British Red Cross has launched a free Emergency app providing real-time updates and severe weather warnings, along with practical advice for before, during and after a flood. It's worth keeping up-to-date with weather warnings in your area, too, by entering your postcode on Gov.uk.
BIBA also suggests signing up to the Environment Agency flood alerts so you have time to turn off the electricity, move cars, rescue pets and move property if necessary.
How can I claim if vital documents are damaged or destroyed?
Often, when claiming, key documents or proof of possessions may have been washed away or damaged. So seek copies from the relevant provider, such as the DVLA for motoring documents, brokers or insurers for duplicate insurance documents, or utility providers and the Passport Office. Check Gov.uk for details on how to replace birth certificates.
What will insurers accept as evidence of ownership if items are really badly damaged, say, if personal possessions have washed away?
BIBA says any photographs of you with that item when undamaged, or held by friends and relatives, will demonstrate you owned it, and receipts, credit card bills or bank account statements that show purchases can also help.
Importantly, don't throw away damaged possessions without first discussing it with your claims adviser, as they will need to be assessed.
How long do I have to make a claim?
BIBA says this can vary by policy, but typically it's 180 days. It's always best to act as swiftly as possible.
Who can people turn to for help?
A broker should help, as will the insurer and its loss adjuster. You may appoint a loss assessor at your own cost for a larger claim. If there are any disputes, you can complain to the independent Financial Ombudsman Service.
What about protecting my home against a future flood?
With Storm Frank due to hit on Tuesday evening and the likelihood of further flood damage, insurance firm LV has provided the following tips for those most at risk:
Move possessions and important documents to a safe area (preferably upstairs) and move all electrical goods and valuables off the floor.
Put irreplaceable photos in waterproof bags and move them to dry areas if possible.
List useful contacts – keep important details such as your home insurance provider's phone number and policy number to hand.
Have disaster supplies readily available including flashlights, batteries and a first aid kit.
The British Red Cross has launched a free Emergency app providing real-time updates and severe weather warnings, along with practical advice for before, during and after a flood. It's worth keeping up-to-date with weather warnings in your area, too, by entering your postcode on Gov.uk.
BIBA also suggests signing up to the Environment Agency flood alerts so you have time to turn off the electricity, move cars, rescue pets and move property if necessary.
