Contact your insurance company
Most companies have a 24-hour helpline you can call. The staff will tell you what you need to do to make a claim.
Before you start cleaning up, take photographs of the damage and mark the highest level of the floodwater on your wall. This will help make your insurance claim.
Floodwater is usually dirty, and can contain sewage, chemicals and other contaminants. You’ll need to disinfect thoroughly any areas affected by floodwaters, to avoid infection. Wear protective clothing when you’re doing this.
Don’t be tempted to throw away damaged furniture, carpets and other belongings until your insurance company has given you the go-ahead.
Dry out your home
Before you move back into your home and start redecorating, your home will need to dry out completely. This may take several weeks, or even months, depending on the severity of the flooding and the materials your home is made from.
Start repairing damage and redecorating
Depending on the extent of the damage, you (or your landlord if you’re renting) may need to get a builder, structural engineer or surveyor in to look at your home and advise you on what repair work needs doing.
Homeowners must get the go-ahead from their insurers before hiring any contractors. Most insurance firms have a list of approved builders, joiners and other contractors, but you can chose other contractors if you wish. It’s worth remembering that, in the event of any dispute over the work, it’ll be easier to sort things out if you’ve hired a contractor approved by the insurance company.
Watch out for companies taking advantage of the situation and touting for business from door to door in areas hit by floods. It’s important that any contractors you hire are experienced in restoring properties damaged by flooding. They will ensure that the work is done safely and hygienically, and can offer you advice on making your home more flood resistant for the future.
Get gas and electricity systems checked
It’s very important that you get your electrical and gas systems checked by a registered contractor before you attempt to use them. Even if they appear to work, they may have been damaged by water or mud, and could be dangerous.