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Pete Mugleston

Author: Pete Mugleston - Mortgage Advisor, MD

Updated: April 8, 2022

Preparing for a flood could save your family, possessions and livelihood.

We never like to think about the bad things that could happen to our homes, but it is something that has to be considered if and when you purchase a home. Flooding is dangerous and can happen very quickly, particularly in areas closely located near natural water. We want our community to stay safe, so this is why we researched more information on flooding from the Met Office.

Preparing for a flood could save your family, possessions and livelihood.

Gov.uk have put together a handy risk calculator based on your location. Simply click on the relevant country below to begin that process:

England

Northern Ireland

Scotland

Wales

According to the Met Office, there are a number of things you can do to prepare for flooding to keep yourself and your family safe:

1

Prepare a flood plan

You may be able to download a flood plan template from your local flood agency or council or put your own together using the following list as a guide. Collate a list of useful contact numbers – including your local council, utility providers and your insurance company. Before leaving your home shut off your electricity or gas supply and move your valuable belongings to a safe place including pets, furniture & cars. And finally consider who could you ask for help or offer to help vulnerable friends or neighbours.

2

Prepare a flood kit

Think about putting together an emergency flood kit with essential items that will help you cope in a flood, including, insurance documents and list of contact numbers, torch & spare batteries, first aid kit and any prescription medicines, warm waterproof clothes and blankets, bottled water and snacks and a battery or wind-up radio.

Make sure that everyone knows where to find this kit and what to do if flooding happens.

3

Flood protection equipment

Think about making your property resilient to flooding. To reduce flood damage, you could lay tiles instead of carpets, move electrical sockets up the wall and fit non-return valves. If you know you live in an area at risk of flooding, you could consider installing some flood protection products. Floodboards can be fixed to your doors and windows, plastic covers to seal airbricks and sandbags are a great last line of defence.

FCA disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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