The Recent Floods An Insurer s Perspective

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1 The Recent Floods An Insurer s Perspective Flooding in Surrey 2000/

2 Flood - Actions Insurer s first priorities Get the people out (where necessary) and ensure safe Get the water out Dry the building out Then what do we do? Appoint disaster recovery expert Appoint Surveyor/Loss Adjuster Appoint builder network or appoint other supplier Authorise repairs Settle the claim 3 PAS Mitigation and recovery of water damaged Buildings Code of Practice 1. Initial inspection of a water damaged building 2. Setting drying and cleaning goals (including air quality goals) 3. Selecting the drying and cleaning techniques and equipment to be used. 4. Monitoring the drying and cleaning progress. 5. Verifying drying and cleaning goals have been met. 6. Documentation for provision to the customer. 4 2

3 Initial Inspection of a Water Damaged Building. Project Managed Approach Some key aspects Identify and record depth type and volume of water Building Type, construction details and relevant historical or construction issues Source of water and length of time effected Pre existing defects Schedule emergency mitigation to make safe / mitigate loss Stripping Out Guide Moisture readings Health and safety 5 Issues With Complex Building Types Historic and listed buildings Buildings within a conservation area Timber framed buildings Buildings with concealed insulation or non-standard construction, basements or cellars, structural problems or complex mechanical and electrical services installations. Buildings that have previously flooded, or been adapted (say) for the disabled, or where the method of construction is uncertain, or contains hazardous materials. 6 3

4 Drying Techniques Open Drying High Humidity air from inside is exchanged with low humidity outside Open Drying with Heat When outdoor air is cool but dry heat added to internal air 7 Closed Drying Method ( with dehumidifier and background heat ) All windows and doors closed Dehumidification equipment requires temperature control 8 4

5 Target Drying Target Drying Concentrated drying effort to air layer to affected structural material Tenting Direct air mat 9 Rapid Drying System (RDS) 10 5

6 Flood Resistance & Flood Resilience 11 Flood Resistance - Temporary Door & Garage Barriers Sand Bags Demountable or Free Standing Barriers Improvisation! 12 6

7 Flood Resistance - Permanent Re-pointing Auto-barriers Non-return valves Water-resisting external doors/windows 13 Flood Resilience Clear cavities in walls Hand Made Bricks Engineering Bricks Steel Stud Walls Insulation board fixed to face of wall Stainless Steel Kitchen Units 14 7

8 Information, Support & Resources (1) Renew & Repair Grant (RRG) Launches 1 April ,000 for homeowners and businesses flooded since 1 December 2013 Not for general repairs to affected properties Administered by Local Authorities 15 Information, Support & Resources (2) 16 8

9 Information, Support & Resources (3) Association of British Insurers (ABI) Tel: British Damage Management Association (BDMA) Tel: British Standards Institution (BSI) Tel: Building Research Establishment (BRE) Tel: (England and Wales) Chartered Institute of Loss Adjusters (CILA) Tel: CIRIA Tel: Environment Agency Floodline: Flood Protection Association (FPA) Tel: Institution of Structural Engineers Tel: The National Flood Forum (NFF) Tel: Royal Institution of Chartered Surveyors Tel: Scottish Environment Protection Agency Floodline: THANK YOU 18 9

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