In the event of flooding
If a property floods when there are people inside, the first thing to do is to ensure that everyone can be evacuated safely. Try to avoid walking through flood water where possible as manhole covers can often become loose and flood water can quickly become contaminated. Ensure that anyone who comes into contact with floodwater washes their hands as soon as possible to help avoid any infection.
If your property has been flooded, contact your insurance company as soon as possible to inform them of the situation. Ensure you carefully note down their requirements which may include compiling a list of all items affected, photographic evidence and a written report including specific dates and times. Ensure that you agree with the insurance company what can be thrown away (for example, sodden carpets) and do not throw away anything that has not been agreed. Also keep a note of all conversations with the insurer, including time, date and what was discussed.
Before attempting to clean up any damage, take precautions. Flood water can be contaminated and may contain animal and human waste or poisonous chemicals. Ensure you wear protective gear including gloves, boots and masks. There may also be unseen dangers lurking in the water such as sharp or fallen objects.
If flood water is high, consider purchasing or renting a pump to remove the water. But only do so when flood levels outside the property are lower than inside it or you risk causing structural damage.