With more heavy rain expected today and tomorrow as a result of the remnants of Cyclone Debbie, the Insurance Council of NZ is urging people in the North Island to be prepared for flooding. “We want to help communities to reduce the risks they face.  If you can get as much of your home contents out of harm’s way, secure heavy outdoor objects and park vehicles in garages if possible” said Tim Grafton Insurance Council Chief Executive. Pre-flood tips:

• Move valuables from lower ground including electrical equipment if possible
• Secure outdoor possessions
• Have emergency equipment like portable radio, torch, mobile on hand
• Keep your insurer’s contact numbers on hand

“Taking photographic evidence of the flooding and damage to your property will help with your claims assessment and if you need to move damaged or contaminated goods from your house for health and safety reasons” he said. Tips for recovery:

• Do not do anything that puts your safety at risk or causes more damage to your property
• Contact your insurer, or insurance adviser. Do not be concerned if you can’t find your insurance papers. Insurers have electronic records and need only your name and address.
• Avoid entering flood water, on foot or in a vehicle. Flood water can contain raw sewage and contaminants, can conduct electricity, mask hidden hazards, and pose a serious hazard to health. It may be deeper, or moving faster, than you expect.
• Try to make the buildings safe and weatherproof but don’t make any emergency repairs unless it is safe to do so.
• Don’t start non-essential repairs without your insurance company’s approval.
• If water has entered the property, don’t turn on your electricity until it has been inspected by an electrician
• Do what you have to make your home safe and sanitary.  Remove and discard any water or mud-damaged goods that pose a health risk, such as saturated carpets and soft furnishings.
• Take photos of damaged property to help speed up the assessments and claims process.
• Do not drive your vehicle if it has suffered water damage

The extent of the insured damage will not be known for some weeks.