FINANCE Don’t get caught out by floods
Extreme weather events are becoming more frequent and severe, often causing irreparable damage and resulting in serious financial upheaval. Mike Dickinson, Sales and Marketing Director at insurance broker Russell Scanlan, explains the growing need to assess your flood cover.
Recent events are another reminder that flash flooding and prolonged torrential downpours mean we have to ensure greater protection for businesses and homes against what the weather throws at us. With over 30,000 people left homeless in Houston
and thousands of businesses left in ruin, it’s feared that many of those affected didn’t have flood cover because their property wasn’t registered in an area typically at risk. There is a worrying number of commercial properties
without the correct level of insurance, with some businesses only finding out they are underinsured when their policies do not cover their flood-damaged premises.
In the UK, recent months have seen some positive
developments for flood insurance – the Association for British Insurers (ABI) has produced a Guide to Resistant & Resilient Repair After A Flood as part of advisory services set up after floods in 2015. Also, the new Property Flood Resilience Action Plan explores the role of building regulations and certification for businesses, by encouraging use of flood-resistant construction methods. With the Met Office warning of ‘unprecedented
downpours’ this winter, the chance of us seeing record levels of rainfall has increased by 34% in some areas. There has never been a better time to reassess the risk to your property.
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business network October 2017 57
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