Flooding and water damage: Better safe than sorry!

First of all, make sure your home is safe before you act.

In the event of water damage, immediately shut off the main water supply and call in a plumber. Contact your insurer as soon as possible to initiate the claims process.

Next, professional cleaning is essential. Dry all possible surfaces using fans, dehumidifiers and a water vacuum cleaner. To facilitate drying, place cushions and armchairs vertically against a wall.

To prevent further damage, elevate your furniture with blocks of wood or Styrofoam, or move it to a non-flooded room. Take photos of the damage and make an inventory of damaged goods.

If the water damage is caused by a defect, keep the parts or pipes concerned, as your insurer may need them.

When it comes to home insurance, don’t assume that you’re automatically covered against flooding. Insurance contracts may include coverage for various types of water damage, including overflow from a watercourse, but this varies.

However, damage caused by internal problems, such as a forgotten faucet or faulty pipe, is usually covered by basic home insurance policies.

If you’re concerned about damage caused by external elements, such as sewer backup or rainwater infiltration, it’s a good idea to add extra coverage to your insurance. Prudence is often the best option. Finally, draw up a detailed inventory of your possessions, with photos and proof of purchase, and keep these valuable documents outside the house to facilitate any future claims.