Can I lower my premium if my home is in a high risk flood area?
You can minimise the effects of a flood and it could give you something to negotiate with when you look at home insurance. It’s worth signing up to get flood warnings, Floodline offers a free service and you can choose how you’re notified about flood risks. In addition to that you might want to think about taking the following precautions:
• Flood plan – if you’re in a high risk flood area, think about putting together a community flood plan so you know where to go and what to do. You could consider writing your own household plan too – it might sound a bit uptight and pernickety but a flood can catch you unawares and if so, it’s easy to panic and forget what to do.
• Resist – try and prevent water from coming in, consider removable barriers and temporary seals for doors, windows and air vents.
• One way valves – think about fitting one way valves to toilets and pipes to prevent sewage backing up into the house.
• Preparation – if water does get in, being prepared can help to minimise any water damage. Think about putting valuables in waterproof bags if a flood is imminent and move anything you can upstairs. Anything you can’t move try to raise from the floor – have a stash of bricks or pallets to do the job.
Compare, compare, compare
Of course the best way to make sure your policy’s competitive and value for money is to comparethemarket. We take comparison seriously and are committed to finding you the right policy for your needs, so start comparing with us today – we won’t leave you high and dry.