It may be nearing Christmas, but December might not be the snowy winter wonderland you’re hoping for. In recent years, an increase in rainfall has caused flood damage for many clubs.
Flood water takes no prisoners. It damages anything in its path.
Without the proper insurance cover, flood damage is an expensive business. Sometimes a devastatingly expensive business.
The good news is that although you can never completely eradicate the risk, there are steps you can take to prevent flooding, or at least reduce the impact.
In this blog, we’ll take you through those steps. This is vital information for all insurance holders, as these precautions will help you stay on the right side of your risk management obligations.
How to prepare your club for a flood
It might seem like an obvious suggestion, but preparedness is the key to preventing flood damage.
Your first port of call should be local weather forecasts. If they predict heavy rain, head to one of these websites access flood warnings & advice through The Environment Agency or the Flood Warning Information service
Once you know there’s a chance of flooding, here are some steps you can take to reduce the potential damage:
- Move goods to higher floors
- Unplug all electrical items
- Put heavy electrical items up onto bricks
- Secure any items which are stored externally which might move and cause damage on impact
- Turn off mains supplies and close off flow valves
- Fit a temporary toilet pan seal to prevent the flood water coming back up the toilets
- Keep important documents in watertight plastic bags in a high place
- Put up temporary flood barriers for doors & windows
- Stop any deliveries due at the premises
What to do if your club is flooded
Unfortunately, try as you might, you can’t completely eradicate the risk of flood. Here is some advice on what to do if your club suffers flood damage.
- Don’t throw anything away
- Keep copies of all letters, emails and faxes you send and receive, and take photographs and video footage of any and all damage to your property.
- Get photographic evidence of all equipment (such as machines and other goods covered by your policy).
- Make detailed notes of damage
- When you can safely enter your venue, you’ll need to record every detail of the flood damage.
- Make sure you do not remove or replace any items damaged without prior approval from your insurance company. Instead make detailed notes of all the items which have been affected, being accurate as to the extent of the damage.
- If you can safely get inside your property, mark the height of flood water on the wall with a permanent marker, in all the affected rooms.
- If your insurance covers you for food or perishable goods, make a note of anything you throw away because it has gone off, or is contaminated.
- Keep a record of everything related to your claim
- Keep a detailed record of all correspondence with anyone cleaning up or repairing your leisure establishment.
- Keep all receipts of any emergency repair work you have done, like fixing electric fittings or other time critical repairs.
- Evidence all the risk management measures you took. Don’t throw anything away until you have been informed that this is acceptable.
Remember, flooding is a type of damage that is sometimes missing from standard insurance coverage wording, so be sure to clarify this with us (or your insurance broker) if you have any questions or concerns about flood damage to your establishment.
To get in touch with of our experienced and professional staff contact us on 0844 488 9204 or use our contact form to find out how we could provide you with the best possible coverage for your club