Avoid drowning in flooding bills
The unusual trends of our British weather continue to wreak
havoc across the country.
In the South East we have been more fortunate than other areas
of the British Isles, and we appeared to have avoided any major
However the heaviest April rainfall in history followed by a
very wet May has resulted in a number of localised floods.
These weather patterns are becoming more frequent and it is
important you take every precaution to prevent any threat of water
ingress impacting on your business.
Although damage resulting from flood or storm is in most cases a
standard policy protection offered by insurers, there may be
restrictions imposed and in extreme cases cover may be excluded if
your property is deemed to be within a highlighted Environmental
Agency flood zone.
Your broker should be working to ensure that the widest cover is
negotiated including protection against the impact a claim would
have on future trading profit.
MPW has successfully devised bespoke solutions for businesses
who had encountered resistance from their previous insurers.
In addition we will provide risk management advice in dealing
with this potential threat to your business.
Some basic preparation may help in reducing the impact of what
is often a messy and prolonged clear up operation.
- Turn off your electricity, gas and water supplies at the
- Disconnect appliances connected to pipes in case of movement
- Place valuables and important documents in secure plastic bags,
high up out of harm’s way.
- Where possible move contents to an upper floor or raise on
bricks. If an item of content is too large to carry, weigh it down
so it doesn’t float around and cause damage.n Fix flood boards to
frames around windows and doors.
- Move vehicles to higher ground.
- Pack a flood kit of essentials containing copies of your
- WAIT for the emergency services. Follow their instructions. If
an evacuation order is issued you MUST comply.
Flood claims are increasing. Now is the time to remind yourself
exactly what cover you may or may not have – if you find it is
restrictive, please contact MPW.
Our first step will be to gain a full understanding of the true
flood exposure at your premises and then negotiate the best
possible terms with insurers
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