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Flood claims


adjustor to assess the damage and agree how the claimshould be settled. It’sworthusing a permanentmarkertomarkthe height of the floodwaterandmake alistofwhatdamagehas occurred andwhatitisyouwanttoclaimfor. Remember to include anyfood touchedbyflood water and anything in your fridge and freezer whichhas spoilt as a result of a power failure. It’s worthkeeping anoteofall


communicationwithyourinsurance company or loss adjuster.Record thedateand timeof anyphone call,the nameof thepersonyou spoke to andwhat you agreed with them– remember they will be doingthe samethingat their end. If the floodingmeans you cannot stay


in your property then youmay bemoved to anemergency shelter by theemergency services shortterm. Afterthat, your building andcontentsinsurerswillusuallymove youintoalternative accommodation if the damage is so severe your property is uninhabitable, providingyou have alternative accommodation coverwithinthe policy. If you have both types of policy, one of the insurers will take theleadonsorting outyour accommodation,and askthe otherinsurer to contribute to the cost. Unfortunately,most insurers areunlikely


to foot thebillofafive star hotel. Alternative accommodation coverallowsfor the accommodation provided to be on alike-for- likebasis with your normallifestyle, so for most peoplethatwillmeanastandardhotel orB&Bshort term andasimilar property long term.However,dobearinmindthatthere arelikelytobealot of peopleinyourarea affectedbythe floods, so insurersmayhaveto improvisewiththe useofthingssuchasstatic caravanstoprovide accommodation. Once theextentofrepairs required is


known,most insurers will give youthe option of usingtheir approved tradesmen or finding alocaltradesmen if youprefer. Neverinstruct acontractortoproceed with repairsuntil they have beenapproved by either your insurance companyortheir loss adjuster.Unfortunately, floodscan bringout thecowboys so beware of contractorsgoing door-to-door,and neverpay cashinadvance. Your insurance companyand theirloss


adjuster arethere to help –use themasmuch as youneed to ensure that your property is put back to it’s original condition.●


Flats are just as susceptible to flood damage as houses


Changing Claims Conduct Flat Living Issue 16


Matt Chivers CHUResidentslineClaimsManager Tel 0800281235 www.churesidentsline.co.uk


A Claims Handling Service with a difference


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