Protecting Your Home: The Importance of Property Flood Resilience
Posted on 13th November 2024 at 12:13
Flooding poses a significant risk in the UK, with one in six properties affected. Climate change is exacerbating the frequency and severity of floods.
At Hedon Insurance, we've been serving the East Yorkshire community for over 50 years and have witnessed firsthand the impact of flooding on our clients' lives. With the UK recently experiencing the wettest 18 months on record, the need for property flood resilience has never been more critical.
This autumn has already seen significant flooding, prompting us to share valuable information on reducing the risk and impact of such events with your friends and family.
Understanding the Risk
Flooding can be devastating, both emotionally and financially. As your local insurance experts, we recognise how distressing it is when homes are damaged. We're committed to helping our clients secure the right insurance coverage while taking proactive steps to protect their properties.
What is Property Flood Resilience?
Property Flood Resilience (PFR) encompasses measures designed to reduce the impact of flooding on your home. These include:
Resistance Measures: Keeping water out with flood doors and self-closing air bricks.
Resilience Measures: Minimising damage if water enters, such as using tiled floors and raising electrics.
The Benefits of PFR
Implementing PFR measures can:
Reduce repair costs by up to 70% after a significant flood.
Allow quicker return to your home post-flood.
Provide peace of mind during heavy rainfall.
Taking Action
Given recent weather patterns, now is the time to consider your property's flood resilience. Here are steps you can take:
Check your flood risk using the Environment Agency's maps. [https://flood-map-for-planning.service.gov.uk/]
Consider a professional property survey to identify vulnerabilities.
Explore suitable PFR measures for your home.
Review your insurance policy for adequate coverage.
Stay informed about flood warnings and know how to turn off utilities.
Physical Actions You Can Take:
Adjust your landscape to direct water away from your property.
Install specialised flood gates on exterior entrances.
Keep flood sacks ready for door reinforcement during floods.
Attach flood boards to windows and doors for added protection.
Opt for tiled surfaces instead of carpets or wood to minimise damage.
Relocate electrical outlets higher on walls and install back-flow prevention valves.
Use self-sealing air bricks or covers to prevent water ingress through vents.
Store large valuables in sealable bags for protection.
Prepare an emergency grab bag with essentials in case evacuation is necessary.
Install flood sensors which can be compatible with home security systems.
What to do After a Flood:
If your home has experienced flooding, the first step is to contact your insurance company and follow their guidance.
If you had to evacuate, ensure you check with emergency services to confirm that it’s safe to return. Remember, your home may require a safety inspection by utility companies before you can restore water, gas, and electricity.
Tagged as: Property Flood Resilience
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