Civil Engineering Association

Repairing Flooded Buildings: An Insurance Industry Guide to Investigation and Repair (EP 69)

This publication aims to rationalise and simplify the issues involved, with the aim of improving service to the building owner from the insurance, loss adjusting, surveying and contracting sectors.

Contents
Foreword vii
Members of the Flood Repairs Forum vii
Abbreviations viii
1 Introduction 1
2 Technical competence of the remediation team 3
Complex building types 4
3 Managing the customer contact process 5
Policyholder contact – a staged approach 6
Frequently asked questions 10
4 Damage reporting and collecting the ‘right’
information 13
5 Ageneral guide to drying 19
Minimum drying standards 20
Primary and secondary damage 21
Triage, clearance and cleaning 22
6 Health and safety in flood damage repair 23
Primary legal standards applicable 23
Overall recommendations for flood repairs 25
7 Equipment for drying buildings 45
Types of dehumidifier 45
Refrigerant dehumidifiers 46
Desiccant dehumidifiers 46
Convection drying 47
Contents
vi
8 Methods of drying buildings 49
Establishing a drying programme 49
Key factors in the drying process 51
Importance of monitoring 52
High temperatures 52
Vulnerable materials 52
Common problems 52
9 Monitoring the drying process 53
Monitoring equipment 53
Certificate of drying 54
Report of flooding event 56
Report of repairs to flood damaged property 58
10 Standards for repairing flooded buildings 63
11 Domestic insurance cover 73
The insurance contract 74
The policy excess 74
Policy conditions and exclusions 75
Prompt notification 75
Non-disclosure 76
Sum insured 76
Maintenance and repair 77
Flood resilient repairs 77
12 Small businesses 79
Freehold, leasehold and tenancy issues 80
Scope of commercial insurance policies 81
Claims process 82
13 Identifying and managing the flooding risk
at a property 83
Susceptibility of contents and equipment 84
Susceptibility of buildings and fittings 85
Risk surveys 86
Flood event procedures 90
Using flood protection products – a guide for
purchasers 91
14 Flood protection and flood mitigation products 93
Existing standards 94
Other types of flood protection products 96
Underwriting and risk 97
References and useful websites and other
sources of information 99

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