Flood Advice

Flood Advice

What to do if your property is at risk of flooding:

Pre-flood checks

  • Be prepared to evacuate your property and think about where you can go for safety. Will the route be passable?
  • Know how to turn off your gas, electricity and water mains supplies.
  • Prepare a flood kit of essential items such as a broom, spade, mop and bucket; domestic detergent and disinfectant; rubber boots, gloves and protective clothing; waterproof torch and radio; bottled water for drinking.
  • Agree where you will go and how to contact friends and family.
  • Think about what items you can move to a safe place for later and what are essential items for you to have now.
  • Create a list of important numbers

Advice during a flood

  • Safety comes first! Think about evacuation before it is too late to move. Make sure you follow any advice or instructions provided by the emergency services.
  • If floodwater is about to enter your building, turn off the gas, electricity and water supplies if it is safe to do so. DO NOT touch sources of electricity when standing in flood water. 
  • Gas and electricity supplies should remain switched off until a qualified professional has checked the system thoroughly. Wiring, appliances and pipe-work should also be inspected for safety and efficiency.
  • Keep listening to local radio for updates 
  • Move irreplaceable personal or sentimental items, such as photographs – as well as portable items - to an upper storey or higher location in your property to prevent loss or damage.
  • Also check any outbuildings to see if any items can be moved.
  • If possible, raise ground floor furniture on blocks or bricks to minimise the risk of damage.
  • Please call us on 646 665 7737 to report your claim.

Advice after a flood

  • Please call us on 646 665 7737 to report your claim. We have access to a wide range of specialists who can assist with the drying out and clean-up of your property and also the necessary repairs or replacement.
  • If there is any chance that electrical sockets have come into contact with water, switch off the electricity at the mains.
  • If your electricity is switched off following an incident, make sure that a qualified electrician checks the electrical installation before it is switched back on.
  • If your gas has to be turned off, make sure that a registered tradesperson checks the gas supply before the gas is switched back on.
  • Do not throw away any items until we or our loss adjustor tell you it is OK to do so.
  • Make a list of any damaged items that you need to throw away before you dispose of them. Take a note of make and model numbers, and take photographs of any damage if you have a camera to hand.
  • Wear appropriate clothing and gloves when handling anything that has been contaminated by flood waters. Remember floodwater often contains sewage, so take sensible hygiene precautions.
  • Carry out any emergency repairs to protect your property from further losses.

For a  detailed guide on how to salvage your possessions after a flood, check out our blog.

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La Playa Private Client creates a safe space for you to live life to the full, enjoying your family, friends, and assets wherever you are in the world - without worry or hassle.

We can make sense of all your insurance needs - property, yachts and superyachts, high-performance and classic cars, private jets, art, wine and jewelry collections – and your liabilities too. We can pull multiple assets together on a single “portfolio” policy – or if you prefer, take care of each item separately. 

Amid the impersonal and automated world of large insurance corporations, La Playa provides a refreshingly boutique-style service, with individual advice, and cover based on in-depth understanding of your specific situation. After a detailed and confidential review of your needs and priorities, we’ll structure your insurance arrangements so you know you and your family are protected, come what may.  

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Charlene Gill

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Direct Dial: 646 665 7737

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Email: charlene.gill@laplayainsurance.com

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