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Flood victims given insurance claims advice

Published 28/12/2015

Insurance companies say they are visiting areas hit by floods
Insurance companies say they are visiting areas hit by floods

Insurance companies have visited areas struck by floods to advise people on how to make claims after some of the worst flooding for several years.

Teams from Aviva are on the ground in Yorkshire and Lancashire to meet customers who have been flooded and help them in the recovery process once the waters subside.

NFU Mutual, which supports rural communities, has also activated its emergency plans to support people.

Rob Townend, UK claims director for Aviva, said: "Property damage as a result of flooding or storms is one of the most traumatic events that a homeowner and business can suffer.

"This trauma places huge responsibilities on us, the insurance industry. We can't stop the weather, but we can work tirelessly to support our customers affected by the events brought by this horrendous storm."

Customers with Aviva are covered for flood and storm damage, Mr Townend said, and the company can also make emergency payments to help people pay for items such as baby food, nappies and clothes.

He said: "Any damage caused to property and belongings will be covered and if customers have to move out of their home, because it is uninhabitable, the cost of alternative accommodation is also paid for - and we can make arrangements for pets, too.

"Once we have assessed any damage we will install drying equipment for those properties that need it and for those people who can't remain in their homes we will arrange alternative accommodation as soon as possible."

People who have been flooded are advised to contact their insurer as soon as possible and to make a list and take pictures of any items that have been damaged to help speed up a claim.

Matthew Scott, chief claims manager from NFU Mutual, said: "Based on what we are hearing from our network of offices across the UK, the flooding across many parts of northern England and north west Wales could be the worst for several years.

Soldiers from 2 LANCS rest for a few minutes awaiting the next task as the British Army assists the Environment Agency with the Christmas floods (Ministry of Defence/PA)
Soldiers from 2 LANCS rest for a few minutes awaiting the next task as the British Army assists the Environment Agency with the Christmas floods (Ministry of Defence/PA)
A Christmas wreath hangs on the door of a house on a flooded residential street next to the River Foss, after it burst it's banks in York, northern England, on December 28, 2015. British Prime Minister David Cameron visited the flood-hit historic city of York on Monday as cities, towns and villages across northern England battled to get back on their feet following devastating storms. Around 500 properties were flooded in York, one of Britain's top tourist attractions, on Sunday as two rivers burst their banks. Some residential streets became so inundated that cars were covered up to their roofs. AFP PHOTO / JUSTIN TALLISJUSTIN TALLIS/AFP/Getty Images
Furniture is seen piled high in the window of a house on a flooded residential street next to the River Foss, after it burst it's banks in York, northern England, on December 28, 2015. British Prime Minister David Cameron visited the flood-hit historic city of York on Monday as cities, towns and villages across northern England battled to get back on their feet following devastating storms. Around 500 properties were flooded in York, one of Britain's top tourist attractions, on Sunday as two rivers burst their banks. Some residential streets became so inundated that cars were covered up to their roofs. AFP PHOTO / JUSTIN TALLISJUSTIN TALLIS/AFP/Getty Images
A flooded residential street is pictured next to the River Foss after it burst it's banks in York, northern England, on December 28, 2015. British Prime Minister David Cameron visited the flood-hit historic city of York on Monday as cities, towns and villages across northern England battled to get back on their feet following devastating storms. Around 500 properties were flooded in York, one of Britain's top tourist attractions, on Sunday as two rivers burst their banks. Some residential streets became so inundated that cars were covered up to their roofs. AFP PHOTO / JUSTIN TALLISJUSTIN TALLIS/AFP/Getty Images
A submerged car is pictured on a residential road next to the River Foss after it burst it's banks in York, northern England, on December 28, 2015. British Prime Minister David Cameron visited the flood-hit historic city of York on Monday as cities, towns and villages across northern England battled to get back on their feet following devastating storms. Around 500 properties were flooded in York, one of Britain's top tourist attractions, on Sunday as two rivers burst their banks. Some residential streets became so inundated that cars were covered up to their roofs. AFP PHOTO / JUSTIN TALLISJUSTIN TALLIS/AFP/Getty Images
A man on a bicycle turns back from a flooded residential street next to the River Foss after it burst it's banks in York, northern England, on December 28, 2015. British Prime Minister David Cameron visited the flood-hit historic city of York on Monday as cities, towns and villages across northern England battled to get back on their feet following devastating storms. Around 500 properties were flooded in York, one of Britain's top tourist attractions, on Sunday as two rivers burst their banks. Some residential streets became so inundated that cars were covered up to their roofs. AFP PHOTO / JUSTIN TALLISJUSTIN TALLIS/AFP/Getty Images
Businesses continue the clean up in Hebden Bridge, West Yorkshire after the weekend's flooding.
People being rescued by soldiers and emergency services in York city centre
Flooded riverside properties in Kings Street, York, as swamped towns and cities continue to struggle against the Christmas floods.
Businesses continue the clean up in Hebden Bridge, West Yorkshire after the weekend's flooding.
The River Irwell
The Army assists the Environment Agency as swamped towns and cities continue to struggle against the Christmas floods (Ministry of Defence/PA)
Flood water by a bridge in Cawood, between York and Selby
Labour MP Simon Danczuk, whose Rochdale constituency has been hit by flooding, said money should be spent in the UK rather than overseas
Insurance companies say they are visiting areas hit by floods
A man wades through flood waters at Hebden Bridge, where flood sirens were sounded after torrential downpours
A flooded railway line at Kirkstall, Leeds
Sandbags are placed on top of the flood defences along the River Ouse in York city centre
Rescue teams in Whalley, Lancashire, after the area was hit by downpours
Soldiers helping to set up flood defences in Appleby as the Army was called in to help protect flood-hit areas of Cumbria (Ministry of Defence/PA)
The River Ouse in York, where riverside properties have been flooded again.

"As a result of this, we have activated our emergency plan and our staff and agents are working hard over the Christmas period to support their local communities.

"Having a local presence means we've been able to react quickly and provide immediate assistance to families and businesses in all of the areas worst affected by Storm Eva.

"This is a particularly cruel weekend for anyone to be affected by a flood and our first priority is to help get our policyholders and their families back into their homes and workplaces as quickly as possible.

"We have teams of loss adjusters ready to assess the damage and arrange repairs as soon as the flood waters have subsided."

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