{"id":914,"date":"2019-10-23T11:49:22","date_gmt":"2019-10-23T11:49:22","guid":{"rendered":"http:\/\/blog.schofields.ltd.uk\/?p=914"},"modified":"2020-10-08T11:26:47","modified_gmt":"2020-10-08T11:26:47","slug":"is-my-home-in-a-flood-risk-area","status":"publish","type":"post","link":"https:\/\/www.schofields.ltd.uk\/blog\/914\/is-my-home-in-a-flood-risk-area\/","title":{"rendered":"How to Prepare Your Holiday Home for Flooding"},"content":{"rendered":"<span class=\"rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\">6<\/span> <span class=\"rt-label rt-postfix\">minutes<\/span><\/span><p>Flooding is a major risk for everyone. Millions of properties are at risk from both rivers and surface water flooding which can have a devastating impact.<\/p>\n<p>Monitoring UK weather warnings and being prepared can help you to limit damage to your property. Here are some tips on what to do during a flood and the steps to take if your holiday home is flooded.<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #000080;\"><strong>Keep up to date with the latest flood warnings<\/strong><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5631\" src=\"https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2009\/11\/flood.png\" alt=\"Flood warnings\" width=\"494\" height=\"445\" srcset=\"https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2009\/11\/flood.png 493w, https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2009\/11\/flood-300x270.png 300w\" sizes=\"(max-width: 494px) 100vw, 494px\" \/><\/p>\n<p>There are several ways you can check to see if your local area is at risk of flooding by visiting the websites below:<\/p>\n<ul>\n<li>Check <a href=\"https:\/\/www.metoffice.gov.uk\/weather\/warnings-and-advice\/uk-warnings\">The Met Office<\/a> for UK weather warnings. You can also keep updated on any regional news and weather warnings by following The Met Office on twitter <a href=\"https:\/\/twitter.com\/metoffice\">@metoffice<\/a>.<\/li>\n<li>Check <a href=\"https:\/\/flood-warning-information.service.gov.uk\/warnings\">flood warnings for England<\/a> and <a href=\"https:\/\/www.gov.uk\/sign-up-for-flood-warnings\">sign up to get warnings<\/a> by phone, email or text message if your home or business is at risk of flooding.<\/li>\n<li>You can also call the Floodline 24-hour service: 0345 988 1188 or 0845 988 1188<\/li>\n<li>SEPA (Scottish Environment Protection Agency) is Scotland\u2019s national flood forecasting, flood warning and strategic flood risk management authority. You can check for <a href=\"https:\/\/floodline.sepa.org.uk\/floodupdates\/\">live flooding information<\/a> and sign up to receive flooding messages.<\/li>\n<li>Sign up to receive <a href=\"https:\/\/naturalresources.wales\/flooding\/sign-up-to-receive-flood-warnings\/?lang=en\">flood warnings in Wales<\/a> by phone, email or text message.<\/li>\n<\/ul>\n<h2 style=\"text-align: center;\"><span style=\"color: #000080;\"><strong>If flooding is imminent<\/strong><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5632\" src=\"https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2009\/11\/Depositphotos_44145973_s-2019.jpg\" alt=\"flood sandbags\" width=\"498\" height=\"328\" srcset=\"https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2009\/11\/Depositphotos_44145973_s-2019.jpg 999w, https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2009\/11\/Depositphotos_44145973_s-2019-300x198.jpg 300w, https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2009\/11\/Depositphotos_44145973_s-2019-768x506.jpg 768w\" sizes=\"(max-width: 498px) 100vw, 498px\" \/><\/p>\n<p>While it\u2019s virtually impossible to completely flood-proof a property, there are lots of things you can do to limit the damage to your property.<\/p>\n<p>Always put personal safety before property, don&#8217;t take any risks and be prepared to act quickly and think about evacuation before it is too late to move. If emergency services tell you to leave, follow their instructions.<\/p>\n<ul>\n<li>Prepare for flooding by making an <a href=\"https:\/\/www.gov.uk\/government\/publications\/personal-flood-plan\">action plan<\/a> so everyone knows what to do if flooding happens.<\/li>\n<li>Inform your family on what is happening and how they can contact you.<\/li>\n<li>Prepare a flood kit, with waterproofs, wellies, gloves, buckets, spades, a torch, portable phone charger, essential medicines, spare keys, money, non-perishable food and bottled water.<\/li>\n<li>Put flood protection equipment in place to reduce the impact of flooding on your property, such as sandbags, plastic sheeting flood sacks, flood barriers and air brick covers. Contact your local council to find out where to get sandbags. You can also get them from some DIY or building suppliers.<\/li>\n<li>Make sure you have emergency contact numbers for your insurer, local authority and utility companies to hand in a safe waterproof place.<\/li>\n<li>Move valuable possessions, sentimental and irreplaceable items to safety.<\/li>\n<li>If you can, move\u00a0as much furniture as you can upstairs. If you can\u2019t move them, lift them on to blocks or bricks to minimise the damage.<\/li>\n<li>Move your car away from any area that is expected to flood.<\/li>\n<li>Take photos\/video of your home and belongings \u2013 this will help with any insurance claim should there be loss or damage.<\/li>\n<li>Close doors and windows.<\/li>\n<li>Turn off the gas, electricity and water but never touch sources of electricity when there is standing floodwater.<\/li>\n<li>Hang curtains over the rails if they can&#8217;t be taken down quickly enough.<\/li>\n<li>Put plugs into sinks and weigh them down with something heavy &#8211; toilets and sinks can sometimes be a source of flooding as water can come into the house this way.<\/li>\n<li>If there&#8217;s time, weigh down any manholes outside the house with something heavy.<\/li>\n<li>Ensure drains and gutters are clear of debris so rainfall can drain away.<\/li>\n<li>Secure any things in the garden that could be damaged or float away.<\/li>\n<\/ul>\n<p>The <a href=\"https:\/\/nationalfloodforum.org.uk\/\">National Flood Forum<\/a> supports individuals and communities at risk of flooding. You can find flood protection products and services at their Blue Pages section.<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #000080;\"><strong>What to do if your home is flooded<\/strong><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5633\" src=\"https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2009\/11\/Depositphotos_41111911_s-2019.jpg\" alt=\"flooded street\" width=\"499\" height=\"332\" srcset=\"https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2009\/11\/Depositphotos_41111911_s-2019.jpg 999w, https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2009\/11\/Depositphotos_41111911_s-2019-300x200.jpg 300w, https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2009\/11\/Depositphotos_41111911_s-2019-768x511.jpg 768w\" sizes=\"(max-width: 499px) 100vw, 499px\" \/><\/p>\n<ul>\n<li>Check if it\u2019s safe to return to your home as there may be structural damage.<\/li>\n<li>Beware of hidden dangers in floodwater such as sharp objects, or raised manhole covers &#8211; try to avoid walking (or driving) through it.<\/li>\n<li>Check that the electricity supply has been switched off at the mains<br \/>\n-if you aren\u2019t sure the electricity is turned off, get an electrician to do this<br \/>\n-don\u2019t touch sources of electricity while standing in floodwater<br \/>\n-get any electrical appliances that have come into contact with floodwater checked by a qualified electrician before using them again<\/li>\n<li>Floodwater can be contaminated with sewage, so make sure you wear protective clothing when you clean up &#8211; such as waterproofs, gloves, wellies and a face mask. Wash your hands thoroughly after.<\/li>\n<li>Do not try to unblock drains yourself.<\/li>\n<li>Clear standing water once flood water subsides.<\/li>\n<\/ul>\n<h2 style=\"text-align: center;\"><span style=\"color: #000080;\"><strong>How to claim on your insurance<\/strong><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5634\" src=\"https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2009\/11\/Depositphotos_61935223_s-2019.jpg\" alt=\"House insurance claim form\" width=\"498\" height=\"332\" srcset=\"https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2009\/11\/Depositphotos_61935223_s-2019.jpg 1000w, https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2009\/11\/Depositphotos_61935223_s-2019-300x200.jpg 300w, https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2009\/11\/Depositphotos_61935223_s-2019-768x512.jpg 768w\" sizes=\"(max-width: 498px) 100vw, 498px\" \/><\/p>\n<p><strong>\u00a0<\/strong>In the immediate aftermath of a flood, once the water subsides and it is safe to do so, you should;<\/p>\n<ul>\n<li>Contact your buildings and contents insurer as soon as possible. They will advise on the next steps and may appoint a loss adjuster who will visit your property to assess the damage, confirm what repairs and replacements are needed and what is covered by your policy.<\/li>\n<li>Standard buildings insurance will often cover the costs of drying out and restoring your home and its fixtures and fittings. It also covers the cost of removing debris, professional fees (legal fees, architects and surveyors) and other charges incurred from flood damage.<\/li>\n<li>Contents insurance covers the repair or replacement of damaged furniture and possessions. Most policies also cover the cost of alternative accommodation and loss of rental income.<\/li>\n<li>Arrange emergency repairs if they are necessary to mitigate further damage to the property. Your insurer should understand and reimburse you for the cost, but make sure you keep the receipts for any work you have paid for.<\/li>\n<li>Don\u2019t throw away any damaged items until your insurer says you can dispose of them, as they may need to inspect them.<\/li>\n<li>Take photographs and videos of any damage to support your insurance claim. Make a list of the damage to your property and belongings and their value. Your insurer may require receipts, credit card bills or bank account statements that show purchases of damaged items as evidence of ownership, so it\u2019s always wise to store these upstairs.<\/li>\n<li>Use a permanent marker pen to mark on the wall how high flood water has risen in every room.<\/li>\n<li>Keep copies of all the correspondence with your insurance company or any third parties, the date, time, the name of who you spoke to and what was agreed.<\/li>\n<li>Don&#8217;t rush to redecorate your home as it can take months for a flood-damaged property to safely decontaminate and dry out.<\/li>\n<\/ul>\n<h2 style=\"text-align: center;\"><span style=\"color: #000080;\"><strong>How to protect your home against a future flood<\/strong><\/span><\/h2>\n<p>Whether building a home in a flood risk area or repairing your property after a flood, there are some simple flood resilience measures that can be taken to try and prevent water entering a property, reduce the impact from future flooding and the recovery time.<\/p>\n<p>In addition to using defences such as airbrick covers and flood gates, make changes to the structure e.g. non-return valves to drainage systems to prevent backflow of foul water into the property, water-resistant plaster, flood-resistant building materials on floors and raising electrical wiring above expected flood levels.<\/p>\n<h2 style=\"text-align: center;\"><strong><span style=\"color: #000080;\">Buying a home? Check if it\u2019s at risk of flooding<\/span><\/strong><\/h2>\n<p>It is estimated that around 3 million properties are at risk from surface water flooding compared to around 2.6 million at risk from river or coastal flooding. And with climate change, the risk of homes flooding through rising sea levels, rainstorms and overflowing drains is expected to increase.<\/p>\n<p>Even if a property is situated away from a river or the sea, it could still be susceptible to surface water flooding.<\/p>\n<p>Combined with the complexity and cost of trying to get insurance for a home in a flood risk area and the effect this will have on the property value, it is essential that you research any previous flooding incidents or if a home is at risk of flooding before investing in a property.<\/p>\n<p>Flood mapping technology is now readily available online.<\/p>\n<p><strong><span style=\"color: #000080;\">Resources to find out if you&#8217;re at risk of flooding<\/span><br \/>\n<\/strong><\/p>\n<ul>\n<li>For properties in England visit\u00a0<a href=\"https:\/\/www.gov.uk\/browse\/environment-countryside\/flooding-extreme-weather\">uk<\/a>. Check your own flooding risk by putting your postcode into the Government&#8217;s <a href=\"https:\/\/flood-warning-information.service.gov.uk\/long-term-flood-risk\">long-term flood risk<\/a> page.<\/li>\n<li>For properties in Scotland visit\u00a0<a href=\"https:\/\/www.sepa.org.uk\/environment\/water\/flooding\/\">SEPA<\/a>. The maps show you areas which are likely to flood from rivers, the sea and surface water.<\/li>\n<\/ul>\n<p>Before you purchase a property, it\u2019s wise to obtain any flooding history information from neighbours\u00a0and get a home insurance quote\u00a0to avoid any future nasty shocks and insurance problems. Insurers have access to a huge amount of data to assess local flood risks. Check policy details carefully \u2013 paying attention to the excess and any flood exclusions. Make sure you have adequate insurance that covers flooding.<\/p>\n<p><span style=\"color: #000080;\"><strong>Useful advice:<\/strong><\/span><\/p>\n<p><a href=\"http:\/\/www.bbc.co.uk\/news\/uk-england-kent-26238532\">How one woman held back flood water<\/a><br \/>\n<a href=\"http:\/\/www.bbc.co.uk\/news\/magazine-26254707\">What happens to a house when flood water drains away?<\/a><br \/>\n<a href=\"http:\/\/conversation.which.co.uk\/energy-home\/floods-insurance-q-and-a-defra-dan-rogerson\/\">Q&amp;A: The Government answers your flood insurance questions<\/a><br \/>\n<a href=\"https:\/\/www.abi.org.uk\/globalassets\/files\/subject\/public\/flooding\/abi_bro4120_major_floods_2017_v7-web.pdf\">Flood advice from the ABI (Association of British Insurers)<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\">6<\/span> <span class=\"rt-label rt-postfix\">minutes<\/span><\/span> Flooding is a major risk for everyone. Millions of properties are at risk from both rivers and surface water flooding which can have a devastating impact. Monitoring UK weather warnings and being prepared can help you to limit damage to your property. Here are some tips on what to do during a flood and the steps to take if your &hellip;<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-914","post","type-post","status-publish","format-standard","hentry","category-maintenance-advice"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Flood Risk: How to Prepare Your Holiday Home for Floods<\/title>\r\n<meta name=\"description\" content=\"Here are some tips on preparing for flooding, what to do during a flood and the steps to take if your home is flooded.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.schofields.ltd.uk\/blog\/914\/is-my-home-in-a-flood-risk-area\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Flood Risk: How to Prepare Your Holiday Home for Floods\" \/>\r\n<meta property=\"og:description\" content=\"Here are some tips on preparing for flooding, what to do during a flood and the steps to take if your home is flooded.\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/www.schofields.ltd.uk\/blog\/914\/is-my-home-in-a-flood-risk-area\/\" \/>\r\n<meta property=\"og:site_name\" content=\"Tips for Marketing &amp; 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