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Sunday, 13 March 2022

5 Top Tips for Insurance: Flood Damage

With flood warnings in place over much of Australia, now is a good opportunity to refresh your memory on what to do in an emergency. Continue reading for Ideas' top 5 insurance and flood damage suggestions, as well as what you should do next.

1. Keep yourself safe: As usual, your safety comes first. Nothing you do should put you or anybody else in danger. You can't replace materials, but you can replace yourself. This involves paying attention to emergency services, obeying their commands, and only returning home when they give you the all-clear. Another vital suggestion is to keep the electricity turned off if water has entered the premises; do not turn it back on until you have received permission from a certified electrician.

2. Take Photos: Before you start the huge clean-up job, compile a note of all the damage and take photos of it. This includes not only your property, but also your personal belongings such as drapes, rugs, and bedframes. These photographs will aid in the smooth running of your insurance claim. Only if it is safe to do so, you may want to save some of the damaged materials as tangible evidence for your insurance company.

3. Contact Your Insurance Company: Make sure you get in touch with your insurance company. If your home or belongings have been damaged by the floodwaters, you must file a claim as quickly as possible. If you need help or advice, talk to a friend or family member about what the procedure entails. Your images will come in handy in this situation.

4. Remove Water-Damaged Items: It's critical to remove water-damaged items from your home, especially after a flood. Mold thrives in damp environments, and this can be dangerous to your health. While your insurance claim is being processed, make sure to keep your damaged possessions safe.

5. Check with your insurer: Once the clean-up is complete, you may be eager to begin the rebuilding process. It is in your best advantage to speak with your insurance before you begin. This covers any repairs that are required in the event of an emergency. Always get permission from your insurers before you start, and make sure it's in writing. If you start or authorize work without first speaking with them, you may be surprised to learn that your policy does not cover it!

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