After a flood: the first two days, safely

The first days after a flood are exhausting. This is the order to take things in. Safety comes first, then your insurer, then the clean-up.

Going back in

Check with the emergency services that it's safe to return to your home before you go in. Wear boots and gloves, and go carefully: GOV.UK warns that floodwater can hide rubbish, wreckage and broken drain and manhole covers.

Gas, electricity and water

GOV.UK says don't turn on your water, gas or electricity: get your utilities company or a qualified engineer to check they're safe first. Natural Resources Wales gives the same advice.

• Electrics: Electrical Safety First says all electrical equipment affected by the flood must be professionally checked and tested before it's used.
• Gas: NI Direct says you'll need a Gas Safe registered engineer to do an inspection after a flood.
• Water: don't use tap water if its colour, taste or smell has changed.

Food

Don't eat anything that has touched floodwater. GOV.UK says to throw away food from a fridge if the power has been off for more than 4 hours, and food from a freezer if it's been off for more than 24 hours.

Photos first, then call your insurer

Before you clear anything:

• Photograph everything. Take photos of the damage and the water line on the walls.
• Call your insurer to start your claim, and ask what you can move and throw away.
• Keep what you remove. The Association of British Insurers says carpets, furniture and other goods taken out of your home should be kept until your loss adjuster agrees they can go. You won't be expected to keep anything that's a health hazard.
• Keep receipts for any emergency repairs you pay for.

If you can't stay at home, ask your insurer about alternative accommodation. The ABI says most building and contents policies include up to 20% of the total insured value for it.

Renting? GOV.UK says your landlord is responsible for repairs to your home if it has flood damage. Tell them straight away.

Not insured? Contact your council if you need emergency housing. It may also know of grants or charities that can help with repairs.

Cleaning up safely

Floodwater can carry sewage and chemicals. The UK Health Security Agency says to wear rubber boots, waterproof gloves and a plastic apron while cleaning up, and to wash your hands thoroughly with warm water and soap afterwards. SEPA gives the same warning for Scotland.

When you start drying out, make sure heaters, dryers or fires are well ventilated to avoid carbon monoxide poisoning. Never run a petrol or diesel generator indoors.

Look after yourselves

A flood is upsetting, and it's normal to feel low or anxious afterwards. Talk to family, friends or your GP. Samaritans are free to call, any time, on 116 123.

FAQs

Can I start throwing things away?

Not yet. Ask your insurer first, and photograph everything. Food that has touched floodwater, and anything that's a health hazard, can go.

When can I turn the power back on?

Only after a qualified electrician has checked it. The same goes for gas, which needs a Gas Safe registered engineer.