The images of flooded homes that we’ve seen in recent weeks have been devastating and heartbreaking. I can’t imgaine what people have lost and have been experiencing. To lose your home, the contents of your home, to not be able to return for months on end must be excruciating. I count my lucky stars that we don’t live in a flood zone but with the weather recently that could all change of course. I know that it’s all material and can be replaced but it’s your home, it’s where you take sanctuary from the world, where you feel safe and secure and where you bring up your family. To have to leave all that and not know when you can return would be horrific. I think we would all want to know how to protect your property from flooding.
Landlords have a slightly different issue but one just as difficult. If you’re not living in the property you own, it’s harder to ensure the property is protected. You need to rely on your tenants to ensure they’re doing all they can to protect your property and that won’t always be the case. The Association of British Insurers says that in 2012 alone, UK insurance companies dealt with more than 400,000 flood claims at a cost of more than £650 million. Direct Line has put together this infographic with some very useful information aimed at landlords, but I think there are lots of us in flood areas that could take heed from some of this advice. You can see more from Direct Line here
Communication would be key I can imagine, talking to your tenants and ensuring they are aware of the risk. If it’s a furnished property you would want them to do as much as possible to protect the furnishings, taking what they can upstairs to a higher floor. Fitting non-return valves and fuse boxes in a higher part of the building are all realistic and achieveable and will save money and heartache in the long run.Whether you are a tenant or a homeowner, checking the Environment Agency website and watching the news and weather for alerts and updates is imperative. The water levels can rise so quickly as we’ve seen, and often take people by surprise. It’s always best to be prepared and minimise the damage if you can.
Commissioned by Direct Line