Making a claim on your home insurance following a flood

We understand how disruptive flooding can be and are here to support you through the inspection and claims process. If you need to claim following damage, we’ve listed some steps below to help you get started: 

Recording damage

• Ensure to only enter your home when it’s safe to do so. Be aware of contaminated waters and structural damage.
• Prevent further damage by covering broken windows.
• Keep a record of what has been damaged in the flood to speed up the purchase of replacements.
• Don’t remove or replace damaged items until they have been checked by a loss adjuster.
• Flood water can contain harmful pollutants, so ensure to clean up and discard items safely.
• Keep track of costs for emergency accommodation, repairs etc with receipts and inform your insurer.

Making a claim

Report the damage as soon as possible – If you haven’t already, please notify us as soon as possible so we can start to process your claim and ensure a swift and fair outcome.

Gather your information – To get the ball rolling, ensure you have your policy details to hand, including your policy number.

Document everything you can – Ensure to take lots of pictures of the damage. This will assist in identifying the extent of damage for an insurance claim down the line, as memories alone aren’t always reliable.

Keep receipts – Ensure to keep receipts for everything.

Getting back to normal

It can take a long time for your home to feel like ‘home’ again after a flood but once your claim has been processed, repairs can start.  It’s important to dry out your property fully before redecorating to prevent mould and long-term damage. Floods can be incredibly stressful but taking the right steps can help to ease the recovery process. 

What to consider after a flood damage incident

At Towergate we’re here to support you through your flooding claim. Just get in touch with your usual advisor. 

After a flooding incident occurs, it’s a good idea to review your current insurance to ensure you remain protected in the future. Once we’ve got the ball rolling with your claim and when you’re ready, please feel free to give the team at Towergate a call to discuss how we can help.

Flood Risk Insurance

Get a quote online or by telephoning 0344 892 1462 for cover for properties that are a flood risk or have been flooded in the past.

About the author

James Cooper is a respected industry leader with around 10 years' experience in the home and property insurance sector. He works across a broad range of insurance product and policy development and delivery, including product development; customer sales and marketing; and P&L accountability.

Consistent with our policy when giving comments and advice on a non-specific basis, we cannot assume legal responsibility for the accuracy of any particular statement. In the case of specific problems, we recommend that professional advice be sought.