Unfortunately, in the majority of cases, your insurance will not cover you in the case of a damp problem like rising damp or condensation. This is because damp usually falls under the category of ‘gradual deterioration’, which most buildings, contents and landlord insurance policies do not cover.
How to deal with flood damage
A flood can devastate any property, but it doesn’t have to be the end of the world if you take effective steps to stop the flood and protect your possessions. We asked our flood damage experts for their advice on how to fix up after flooding.
Stop the water flow
Before you do anything else, make sure that the flood doesn't get any worse by stopping the flow of water if you can. A lot of floods are caused by burst pipes, so turn off the main water line before proceeding any further.
Switch off the power
With big floods in any property, switching off the power is a priority. Remember not to handle electrical appliances unless you know they’re safe and don’t stand in the water when you turn the electricity off, unless otherwise instructed by an electrician.
Assess damage and rescue possessions
Take lots of pictures to show your insurance company of the damage and work out exactly how you’re going to proceed with the clean-up. If possible, save the most important items and belongings from the water, but try not to prioritise this whilst the property’s still being damaged.
Call in an expert
At Croft, we strip and dry your property after a flood and can install damp-proof solutions. We can tailor flood damage repair to the customer in question and safely deal with getting your property back into shape in no time.
A new study from Privilege Home Insurance has revealed that damp is a major issue putting off potential buyers and renters from submitting an offer on a property.