Flooding can cause serious damage to your business’s property and according to UK 2019 Flooding Statistics, as many as 40% of businesses do not reopen after suffering a flood.
Although you cannot completely floodproof your property, having a flood plan in place can make your business more resilient to flooding and can help you recover from the impacts more efficiently.
What is a flood plan?
A flood plan is a written document outlining how your business will respond to a flood. Store your business’s flood plan in an easily accessible location; everyone should know where it is.
What to include in your flood plan
Your business’s flood plan should include the following:
- A list of important contact information, including Floodline (0345 988 1188) and any additional flood warning systems, building services, suppliers and evacuation contacts
- A map showing locations of supplies, protective materials, and shut-off points
- An outline of basic strategies for protecting property, ensuring health and safety, minimising business disruption and facilitating recovery
- Procedural checklists for staff to use during a flood
How often to review your flood plan
Review and update your plan annually. Flood risks and procedures can change, so make sure your business is always prepared.
If your business does suffer a flood, undertake a thorough review of your flood plan as soon as you can to determine what worked well and what could be done differently if you experienced flooding in future to ensure your flood plan is as effective as possible.
Additional precautions you can take to protect your property from flooding
The Environment Agency estimates that with proper preparation, most businesses can save 20 to 90 percent of the cost of stock lost due to flooding. Consider the following precautions against flooding when building or carrying out a refurbishment:
- Purchase boards for your doors that you can install when flooding is imminent
- Seal floors to prevent water seeping up through the ground
- Fit non-return valves to drains and both inlet and outlet water pipes
- Install high shelving where you can store items when flooding is imminent
- Raise electrical sockets, fuse boxes and wiring at least 1.5 metres above the floor
- Keep a pump in the basement or lowest level to remove flood water
In tandem with your business’s physical flood prevention measures, adopt the organisational precautions listed below for a more comprehensive flood preparation:
- Compile a list of useful telephone numbers, including Floodline, your local authority and your insurer
- Learn how to shut off your gas, electricity, and water
- Develop a flood contingency plan with suppliers and clients
- Designate an emergency flood contact
- Train your employees in correct flood safety procedures, and establish a safe meeting place in case you need to evacuate
- Stockpile useful materials like plastic sheeting, plywood, sandbags, nails, hammers, and shovels
We are here to help
Risk management and insurance go hand in hand in protecting your business against the risks and consequences of flooding. Click here to request a confidential insurance review with one of our specialists to identify where we can assist you with improved cover and market-leading service, all year round.