The amount of time it takes to resolve a flood insurance claim can vary depending on the extent of the damage. If your home floods, you’ll need to report any damage to your home insurance provider immediately.
Depending on your policy, you may be offered temporary accommodation until your home is repaired. Minor damage could be resolved in weeks, however for more significant damage this is likely to take months as the process to dry a property after flooding can be significant.
Here are some tips to help your claim:
• Take photos of any damage, and don’t remove anything affected until you’ve made your claim or you’ve been instructed to by your claims advisor
• Find out how long it’ll take for the loss adjuster to survey the property. A loss adjuster is an expert who is sent to your home by an insurance provider, to assess the damage to your home and help you through the claims process
• Keep a record of everything related to your claim. There might be a lot of people involved in getting you back on your feet, so keep track of phone numbers and who you need to contact
If you’re renting, you should contact your landlord or letting agent as soon as any flooding occurs. Remember, your landlord is usually responsible for any damage to the building you live in, but you’ll need to arrange insurance for the contents you own.
Read our guide on protecting your home from flooding.