WHITE STAR
INSURANCE BROKERS
Authorised and Regulated by the FSA

 
 
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CyStrat Ltd T/A White Star Insurance Brokers
 
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White Star Insurance Brokers
Stonefield House, Grange Farm
Gloucester Road, Cirencester, Glos GL7 2LR

To find out more, call us today on 01285 640003 or e-mail us on
paul@cystrat.com

CyStrat Ltd
T/A White Star Insurance Brokers
is authorised and regulated by the Financial Services Authority
 

EXPERTISE
Flooding is fast becoming a major problem for the Insurance industry. Many Insurers have slipped in their wordings that insured properties are not within 250 metres of watercourses, rivers etc. The June and July floods cost over £3 Billion and generated 185,000 claims of which 20,000 were vehicle related, 30,000 commercial and the remainder residential.

FLOOD
 
CLEARING UP AFTER A FLOOD
 
Flood water can contain sewage, chemicals and animal waste. Always wear: waterproof outerwear, including gloves, wellington boots and a face mask
 
If your electricity supply is not already switched off at the mains, get a qualified
person to do this. Do not touch sources of electricity when standing in flood water.
 
You can get water out of your property using a pump and generator. Position the generator outside in the open air as generators produce carbon monoxide fumes which can kill
 
Only pump out water when flood levels outside your property start to be lower than inside. This reduces the risk of structural damage.
 
Shovel mud away evenly from both sides of a wall. This stops pressure building up on one side.
 
You can clean and disinfect your property using ordinary household products.
 
A garden hose is useful for washing down. Do not use high-pressure hoses as they blast contaminated matter into the air.
 
If you are drying your property naturally, keep doors and windows open as much as possible. If using dehumidifiers, close external doors and windows.
 
If you have gas or oil central heating and it has been checked by an engineer, turn it on. Keep the thermostat between 20-22 degrees centigrade for steady drying.
 
Local councils usually provide skips and extra rubbish collections for items that
your insurance company has agreed you can throw away.
 
IMPROVE YOUR PROPERTY
 
There are things you can do whilst repairing your property that will make it easier and cheaper to clean up after a future flood.Here are some improvements you can make:
 
Lay ceramic tiles on your ground floor and use rugs instead of fitted carpets.
 
Raise the height of electrical sockets to at least 1.5 metres above ground floor level.
 
Use lime plaster instead of gypsum on walls.
 
Fit stainless steel or plastic kitchens instead of chipboard ones or have free-standing
kitchen units you can move.
 
Position any main parts of a heating or ventilation system, like a boiler, upstairs or raised well above the ground floor.
 
Fit non-return valves to all drains and water inlet pipes.
 
Replace wooden window frames and doors with synthetic ones. They are easier to clean.
 
Important!Always use reputable building contractors. Beware bogus trade people calling door-to-door. Always check references and do not pay in advance.
 
Commercial covers exclude flooding caused by the raising of the water table. The exclusion was introduced by the market wef 1st March 88. Attention was drawn to the issue following press reports in 1986 following damage to some properties in Birmingham. The market became aware that water tables were rising and it was decided that this was an issue for government and not insurance companies. Because it was and is seen as a long term evolving environmental problem and a matter of prevention rather than sudden damage, it is not seen as an insurable risk
Plastic covers to seal airbricks These can stop flood water coming in through your airbricks.
Sandbags Your local council may provide these during a flood, but they may be scarce. You can buy your own sand and bags, or fill pillowcases and plastic bags with earth. Be aware that following a flood they will be contaminated by sewage in the water.
Floodboards
These fix to frames around windows and doors. They can be washed, stored and used again. Always remove flood protection equipment once the flood water has gone. This will help your property dry out.

COVER CAN BE ARRANGED WITH LITTLE FUSS AND IS NOT EXPENSIVE
Last Updated 5 December 2010 by Paul Lucas Copyright CyStrat Ltd 2011. All rights reserved.