Over the last week, the images from Cumbria and Lancashire of desperate property owners seeing their belongings damaged by flood have dominated the news. In fact, it seems every winter sees storms and floods sweeping across Britain. This year, storm Desmond brought chaos and destruction to the North West.
In the immediate aftermath of the storm, the Claims team at Total Landlord Insurance received around 40 calls of property owners who needed to make a claim. Some of these clients have been with us for over 10 years. In 2005, Cumbria was similarly affected by floods and seeing their properties flooded yet again is a terrible experience not just for landlords, but for everyone in the region. This time, the water was chest high in many properties. Some landlords even saw more than one of their property portfolio fall victim to the flood.
The role that luck plays in whether your property is affected or not becomes evident when you compare the claims made to other properties owned by the same landlord in the same road. Some landlords with more than one property in the same road for example had to make a claim for one which was flooded and the others further down or higher up the road only saw the water creeping close but not entering.
If your property is under threat of being flooded, the first thing to do is to make sure your tenants are safe. Make sure the power is switched off in case the water does enter and rises above the sockets. Should you be unlucky enough to have been hit by the flood, document the damage and take pictures. Remove any damaged goods before they make things worse by starting to smell or rot. Good advice would also be to get a dehumidifier into place if possible.
If you need to make a claim you need to tell us as soon as possible. Call our Claims team on 0345 310 6370, they will also be able to give you detailed advice on what happens next.
Naomi Di-Scala, the Claims Team Leader explains: “It’s a terrible experience to see your property investment under water and the destruction this causes. Total Landlord Insurance are here to help as much as possible, to get you and your property back to its pre flood condition as soon as possible. Make sure you have your insurance documents in a safe place and let us know of a potential claim as soon as possible.“
At Total Landlord Insurance, we are dedicated to giving you the best advice on how to protect your property from damage. While there is little you can do to prevent a flood, you can make sure you’re prepared for it. Our dedicated winter page on our website tells you what’s important to know for this worst case scenario and also has lots of useful factsheets and videos on other causes of damage over the winter months, including frost, theft and snow. Go to www.totallandlordinsurance.co.uk/winter-2015 and check our Social Media channels for more advice on how to #GetWinterReady.©LandlordZONE® – legal content applies primarily to England and is not a definitive statement of the law, always seek professional advice.