Did you know that your business is more likely to be flooded than burnt down. In summer 2007 over 9,000 businesses were affected and the cost for flooded businesses averaged between £75,000 and £112,000. With severe changes to our weather over recent years more than 5.5 million homes are at risk of flooding. 

You can visit Know Your Flood Risk for advice and contact us to make sure you have the relevant insurance cover in place.

We would encourage you to assess your flood risks now and devise plans for action to ensure you are prepared in the event of a flood emergency.

Preparing for floods

Good sources for flood planning information are the Environment Agency (EA), the Scottish Environment Protection Agency (SEPA) websites.  You’ll find help to determine if your business or home is at risk of flooding, formulate a flood plan, prepare for flooding and know what to do if a flood does occur.  You can also sign up for free flood warnings.

Flood forecasting, warnings and alerts

Both EA and SEPA work with local authorities to provide advice and information to the public before and during flood emergencies and can be contacted 24 hours a day via a dedicated floodline number:

  • 0845 988 1188

For coastal and riverside areas with a high risk of flooding, these agencies will also be able to tell you whether more localised flood warning information is available via dedicated telephone numbers (e.g. quick dial codes).

The symbols and messages used in EA and SEPA flood warnings have recently been changed to make them easier to understand and to give clearer guidance about what action people need to take.

Automatic weather alerts

To be kept further informed of both potential severe weather and possible flooding, you may wish to sign up for automatic alerts available from:

  • Met Office severe weather email warning service
  • EA / SEPA floodline warnings direct service.

What to do if you receive a flood warning

  • Listen out for further flood information on radio and TV
  • Make sure your mobile phone is fully charged – if necessary charge it upstairs
  • Move your car to higher ground
  • Move pets, jewellery and other items of value to upper floors
  • For items that are difficult to move, consider raising them off the floor
  • Keep spare batteries to hand so that torches and radios can be kept working
  • Know who to contact in case of an emergency
  • Always cooperate with emergency services and local authorities
  • If possible alert your neighbours, especially the elderly
  • Put any flood protection products or equipment in place such as sandbags at doors and lower floor windows, making sure your property is fully ventilated
  • Unplug electrical items and move them upstairs if possible
  • Be ready to turn off your gas and electricity supplies

We hope you find this information helpful.  We share this information now so that you are prepared and can take all reasonable precautions possible to minimise disruption and stay safe in the event of a flood.

Don’t forget the team at Business Insurance Services are always on hand to offer advice and should a claim need to be made please contact our claims manager Dave Puddifer on 0151 609 3903.

Be prepared and stay safe!




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