Affected by flooding or weather damage? Contact your insurance company before you clean up


As wild weather and flood warnings continue, residents affected by weather damage or flooding are urged to contact their insurance company and document the damage before you clean up.

“It’s a stressful time for those affected,” says Insurance & Financial Services Ombudsman Karen Stevens. “But contacting your insurance company as soon as you can, and understanding what you need to do to make a claim, will help you to avoid problems later on.”

The Insurance & Financial Services Ombudsman Scheme has dealt with many flood related insurance complaints over the past 22 years. “We’ve seen a number of cases where people have cleaned up after a flood, thrown items away, and then had difficulty proving that the items were damaged.”

Before your clean up:

1. Contact your insurer. Ask what you need for your claim and ask your insurer to confirm this in writing. 
2. Document the damage. Take photos or videos of your house and any damaged belongings. Make lists of all the damaged items before you dispose of anything.
3. Understand your policy. Ensure you know what you are and are not covered for. If you don't understand, ask questions. 

If you are unable to get back into your home, contact your insurer to ask about temporary accommodation cover, under either your house or contents policies.

The IFSO Scheme also urges drivers to check your car before your travel and take extra care on the roads. 


See our flood info sheet