Table of Contents
What is Flood
Flood, a natural disaster is when a land or property is submerged completely in water. Flood can be very destructive since it has a tendency to abolish properties of a household or objects when they are carried with the current of the flood to different areas or immersed in water for a long time. Naturally, floods move from higher level areas to lower level areas and occur at irregular intervals, vary in size, duration and the affected area.
Flash floods are the most dangerous of all floods and can cause serious damage. Flash flood occurs rapidly usually within minutes or 2-6 hours. Since, flash floods happen quickly people are not fast enough to respond and, therefore, results to fatal incidents. Snow melting, breaking of dam or heavy rain results to a flash flood. Occasionally, rainfall from slow thunderstorm can also cause flash flood. Moreover, flash floods tend to carry wastage and thus, they have a higher probability for destroying homes and injuring people.
Rapid on-set floods
These floods are similar to flash flood as they are potentially dangerous. However, they take longer to develop than flash flood and can last longer, usually for days. In contrast, to flash floods, rapid on-set floods do not take people by surprise and, therefore, buy people the time to respond.
Slow on-set floods
Slow on set floods take a long time to manifest and can last for weeks or months. These floods typically result from bodies of water flooding the banks. They affect low land areas and spread for many kilometers. They are usually known to destroy crops, livestock and is a medium for spreading diseases.
What About The Damage
According to the BBC UK, floods that disrupted rail services in south-west England has had an adverse effect on the businesses and tourism of the country. Moreover, the Insurance Bureau of Canada says that the June flood in 2013 in southern Alberta has caused the costliest disaster in Canadian history. Four people died and 100000 others were forced to move out of their homes.
However, amidst all the rise of flooding events and calamities, incidents of losses of lives have been low and damage to properties and crops high. To combat such an issue, we have a concept called a flood insurance, a term that generally covers either the protection of property from flood or saving the property once the aftermath has been faced.
Let us shift our perspective to the east, a region where civilizations flourished mostly around water bodies, where farming has been the prime factor in the building up of most civilizations. Unfortunately though, the east is also a place which is home to most of the second and third world countries; countries where problems like population boom, lack of technological advancement and a myriad of other problems exist. And thereby, the discrepancy of losses of lives compared to the western world is far too great.
Countries like India and Bangladesh experience death by thousands as floods occur. Aftermath of floods, leave farming lands and crops damaged too, leading to poverty. Regions which see loss of lives enormously and also huge land damage, need the concept of flood insurance even more. And in a more diverse form, ranging from personal damage to removing clogged drainage systems, both long term and short term.
The concept, although popular already in the western world, is yet to gain popularity in the eastern countries. While there already are countries like China and India who are implementing this concept, many of the other countries are lagging behind. With such arising needs, governments of such countries should take the initiatives to promote the concept of flood insurance.
When it comes to dealing with flood taking necessary steps to ensure maximum flood prevention as well as protection should be your priority. Some of the basic packages that we provide in order to meet your demands for a specific setting are:
Business Flood Protection: A comprehensive package that consists of a series of steps that provides sound advice through reports, maps and other essentials to ensure businesses have the lowest possible impact by a flood.
Community Flood Protection: A package that highlights the steps to take in order to focus flood prevention and protection in a given area. The service provides solid advice besides the basic essentials to guide a particular community and help them implement solutions.
Infrastructure Flood Protection: A service package comprising of risk assessments, flood maps, information and other essentials that safeguards organization’s infrastructure or service from a major flood. If you have already done the risk assessment stage you can buy the service at the design and specification stage.
Home Flood Protection: A highly recommended service package that is flexible in pricing and tailored to complement the specification of each home setting, and thus defend home & its interior from damage by flood. Moreover, if you are facing problems in insuring your property we can also provide an insurable flood control system.
Repair & Renew Grants: A special grant offered to businesses and homes affected by flood. A grant up to £5,000 is available, on top of money received from insurers to bolster household with repairs and modification.
Emergency Equipment: A package that comprises of necessary equipment, protection products and rapid response solutions for emergencies. This package ensures people to be prepared for any type of storms and floods.
- If you are insured then it is urgent to contact the company that you are insured with immediately.
- Many companies offer a 24/7 hotline for emergencies.
- A loss adjuster will make contact with you relatively quickly at which point the replacements and repair needs will be assessed as well as how much of the damage will be covered.
- Keep in mind that if many people are having to call in on their claims that it may take a few days to get this process started.
- Do not put off getting things like the drying process started!
Flood Prevention Services & Products
- All good quality flood products are covered where applicable by the BSI Kitemark scheme PAS1188.
- Only these products offer accredited independent testing and quality manufacture.
- Only these products will interest the insurer of your property due to the accreditation.
However there are a number of other issues to be aware of:
- Does the company supplying your solution have adequate insurance cover for product and public liability?
- If they are designing a solution for you, or offering a flood risk survey and assessment do they have Professional Indemnity Insurance?
- Does the company just offer/manufacture one product because if they do that is what they will recommend to you?
- Do they offer a professional step-by-step consultative approach to your problem? See enclosed brochures.
- Do they understand all the issues when it comes to recommending a solution? These must include these elements
- Flood type, flood height & flood duration
- Building construction type and impact of flood type on it
- People issues around mobility, age and occupancy
- Available budget
Recovering from the damaging effects of flood is difficult but not impossible. At there will be situations where you have to deal with the damage all alone. The process though complex can be broken down to simple steps:
Pay attention to the ceilings, floor windows, everywhere. Hunt for damages. Look for wet plaster as the wetness might make them very heavy and thus, dangerous.
Second, Plan & Prioritize.
Don’t be foolhardy. Try to formulate a systematic plan by prioritizing which things should be fixed first. You might go ahead with pumping water out of the house by contacting a Fire Rescue Facility and taking their service.
Third, Be Concerned about the Security
Fix the windows and doors for being safe. Also, make sure the airbricks are clear of debris to allow the air to circulate under the flooring.
Use a marker to highlight the places where the water reached in each room. This is just to aid for the recovery process done later by the builders.
Fifth, Remove Carpets.
In order to start with the drying process remove the carpets from each floor. Cut out the carpets in pieces to make the process easier. Additionally, remove extra dirt and mud from the floors by using a shovel.
Sixth, Remove Valuables.
Take your valuables items from your house that were not affected by the flood. Those items affected must be stored in a plastic bag for decontamination as they might be covered with pathogens from the flood.
Throw away all the food that were in the house even food that were not touched by flood water. Also, throw away the cosmetics and dispose all these far away from home.
When you go into the home, especially for the first time after a flood you may not be thinking clearly.
The Cleanup Process: To start the cleanup process right away you need to look for a disaster restoration firm.
Additional payments: You have to make sure whether or not your insurance will cover for additional services such as hiring equipment and emergency pumping service.
Proof for Coverage: Keep the receipts or documents for the services, equipment or temporary accommodation you pay for. Chances are that these are included in your insurance policy.
Special Locations: Your area might be sensitive due to historical significance. Therefore, contact with the Conservation officer to inform them about this special case so that they can proceed with caution.
Prepare for future flood attacks: When repairing also ask the professionals to repair your home in such a way that protects from future flood attacks. In other words, make sure they follow the most recent ‘PAS64-2013’ Code of practice procedures.
Save all conversation: Save all emails, messages, letters, documents that happens between you and your insurance agent for future reference.
The Envomental Agency: It is responsible for building, mainting and operating flood defences and for issuing flood warnings. You can receive advice and listen to recorded information on flooding in your area by dialing 0845 988 1188.
Flood Warnings: You can also receive live flood warnings by using the following application interactive flood maps.
Natural Resources Wales : Among its many activites and responsbilties, is the protection of the environment and its natural resources. You can find much useful information on the following page of their web site about how to deal with a flood before and after.
Police: When a major flood incident takes place, do not hesitate to contact the local police station as it offers emergency services and also help coordinate the evacuation of homes wherever it is deemed necessary.
Fire & Rescue Service: Apart from helping with the evacuation of buildings, several local services can also provide water pumping to remove flood water. The following section on their web site offers useful flooding advice, while the all UK Fire and Rescue Contact Details can be accesseed here.
The Citizens Advice Bureau: In some circumstances it can issue useful advice on how to obtain money and actions you need to take around flood insurance.
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Live flood warnings from the Environment Agency and the Scottish Environment Protection Agency
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