Simplifying flood risks: helpful guidance for customers

  • Flooding is an increasingly important problem for UK organisations
  • Customers can be confused about the conflicting information and advice available
  • Zurich Municipal has produced an easy-to-follow guide that can act as a single information resource for customers

Millions of households and organisations across the UK are at risk of flooding. Recent years have seen some particularly devastating floods, with many experts anticipating problems will increase in the coming decades.

Flooding has the potential to affect organisations wherever they are and whatever their capacity. Every organisation can be affected by flooding – whether directly or indirectly. But by taking a structured and considered approach to the issue, customers can help avoid unexpected consequences.

With a wealth of information available from a range of sources, it can be difficult to know what specific information to look for and exactly where to find it. Here are some helpful tips for you:

1. Assessing your risk of flooding

Rivers and seas are not the only source of flooding. More unpredictable sources, such as surface water flooding, can cause large-scale damage.

There are a number of complex factors that can impact your degree of flood risk, and the vulnerability of a property and its occupants.

Knowing how to assess your risk of flooding is very important if the appropriate measures are to be taken to mitigate this risk.

2. Protecting your organisation

There are a number of different approaches, and a variety of products, that can help protect against flooding. Whether a particular approach is suitable for your organisation is highly dependent on the property and its surroundings.

For example, few may appreciate that actually allowing water to enter the property, in certain circumstances, can help prevent major structural damage – minimising recovery time and the financial implications.

It is therefore important to properly assess a property’s unique risk profile, before deciding on a particular preventative measure.

3. Getting early warnings

Signing up to an early warning system can grant valuable time to prepare for a flooding event. These free services can notify you via various means, and help to reduce the distress and financial impact of a flood event.

4. Advance planning

There is no substitute for being prepared when the worst happens. Making a ‘Flood Plan’ is one of the best ways an organisation can help mitigate the effects of flooding.

Flood warnings should act as a vital trigger to this plan. Warnings will vary in severity and organisations need to know how they will react to each scenario.

Anticipating the situation, knowing the actions to be taken, and specifying who will undertake them, will ensure a coordinated and effective response.

5. Getting help if a flood occurs

Zurich Municipal makes sure customers are assured that a team of experts is on hand to help them with every step of the recovery process.

Zurich Municipal’s claims experts will project manage your claim from the very beginning, so customers should speak to them before carrying out any significant mitigation or recovery actions.

Getting up to speed on flood risks

Approaching the risk of flooding in a structured way can help avoid unexpected consequences, mitigate disruption and minimise the financial impact.

Zurich Municipal’s Risk Engineering team also has a wealth of experience in helping customers approach the risk of flooding, so please get in touch if you would like to find out more.