Property flooded. Is it worth putting in a claim?

dllive

Hi

Property flooded. Carpet downstairs is ruined and soem skirting. Probably about £1.3k to make good again. Is it worth putting in a claim or will they just put up my premiums and - because Ive reported a flood - it will show in any future surveyors reports when I come to sell?

Ive never had to make a claim before, so looking for some advice and guidance.

Thanks

stuhse

What caused the flood ?  How deep was it ?

user1977

dllive said:

because Ive reported a flood - it will show in any future surveyors reports when I come to sell?

How would a surveyor know whether or not you had made an insurance claim?

It will come up when you sell whether or not you make a claim, because one of the standard enquiries (asked of you) is whether the property has flooded.

MalMonroe

Hi, if you've not had to make a claim before (lucky!), I'd have a good look at your policy and read all the small print. Then you can decide whether it's going to be cost-effective. Check how much the excess will be.

But first step has to be reading your policy. All insurance is not the same, as I'm sure you are aware.

dllive

stuhse said:

What caused the flood ?  How deep was it ?

It was a flash flood, surface water run-off from the road. It breached the front door and the tide mark in the lounge is an inch.

I took some video, then ripped up the carpet/underlay and mopped the water.

dllive

MalMonroe said:

Hi, if you've not had to make a claim before (lucky!), I'd have a good look at your policy and read all the small print. Then you can decide whether it's going to be cost-effective. Check how much the excess will be.

But first step has to be reading your policy. All insurance is not the same, as I'm sure you are aware.

My combined compulsory/voluntary excess is £350.

The policy does include flood damage, although in the exclusions it says "PLUMBING AND DRAINAGE: claims relating to rainwater drains and soakaways" (?)