Organisations urged to check insurance policies against flood damage

November 30th, 2012 Category: Office Cleaning

Organisations that have been affected by the recent floods have been encouraged to check their insurance policies carefully.

Head of service delivery at the Money Adviser Service Jane Symonds told those who have suffered flood damage as a result of heavy rains experienced in some areas of the UK this week that making an insurance claim should be straightforward "if everything goes well".

She advised organisations, residents and business owners to check their insurance policies to see whether they are covered for flood damage, with this typically being included in basic buildings insurance.

After this, Ms Symonds recommended reporting the damage as soon as possible, writing down all of the details of the incident – such as when it happened and what the damage is – and taking photos and videos as evidence of this. She also suggested keeping a record of the people they speak to when phoning up to discuss the insurance claim and the time that they do so.

"If your claim has been rejected and you think it's unfair, there's a few things you can do to address the problem," said Ms Symonds.

These include making a note of the clause in the policy that says it covers flood damage, complaining formally to the insurance company and providing any necessary evidence. If the claim is still rejected, the policy holder can get in touch with the Financial Ombudsman Service.

The floods, which have hit southern England the most, have been so disastrous they have resulted in four deaths, so people should also take precautions to protect themselves and their property if they have not already been hit by the stormy weather.

Earlier this week, the Department of Health (DoH) released the Met Office's warning that it is very likely temperatures will drop dramatically this week as well, particularly in northern parts of the country.

This could affect organisations whose members of staff may be unable to get to work or might become unwell as the cold sets in. According to the DoH, these wintry conditions are likely to cause more illnesses – a warning that could encourage public sector managers to take steps to deal with absentees, such as hiring contract cleaners who can come in at regular intervals to keep offices looking their best, in addition to ensuring their buildings and staff are protected during this period of bad weather.