News - Full Story Flood Safety Tips from Royal & SunAlliance In the aftermath of extensive flooding, leading home, auto and commercial insurer Royal & SunAlliance has some information that may help keep you safe and mitigate damage. Your independent insurance broker will be able to provide you with additional information to help you file a claim. It’s most important that you protect yourself and your family first: • If you are indoors, move to the upper levels of your home, and bring a battery operated radio and flashlights • Turn off electricity and outside gas valve • If you are outdoors, move to higher ground and avoid flood waters – even 15 cm of fast moving water can sweep you off your feet • Don’t stay in your car – according to the Institute for Catastrophic Loss Reduction (ICLR), as little as 60 cm of water can carry a car away. If it is not safe to leave your car, park at the most elevated point possible What to do if your home or business has been flooded: • Do NOT touch electrical wires, appliances or devices • Separate damaged property from undamaged property, and prepare an inventory of what has been lost or damaged • Take photographs of damaged property. If covered, Royal & SunAlliance will reimburse you for the cost of the developing • Keep receipts for any clean up costs incurred (ie. shop vac rentals, cleaning supplies, etc.) • Your insurance company is there to help. Contact your independent insurance broker or your insurance company to report any damage. If you are a Royal & SunAlliance or Ascentus policyholder, you can call our Claims line directly at 1-800-319-9993. Protecting your home in the future: • Stay away from electrical wires • Raise any personal belongings that you have stored in the basement off the floor to prevent water damage • Through a licensed electrician and in accordance with the local building code, raise the main circuit breaker or fuse box 2 meters above flood level in your area • Install backflow valves or backflow prevention device to prevent sewer backups (check with local building codes for further information) • Install sump pump if floors below ground level and check to make sure sump pump is operable. A backup sump pump would be beneficial • Disconnect eaves trough downspouts if connected to weeping tile system • Ensure proper drainage around your home – consider adding top soil with a minimum gradient of five degrees slope away from your home “Our Claims team is out in full force to help you through this difficult time. We are working around the clock to ensure that your home is inspected as quickly as possible,” says Irene Bianchi, Vice President of Claims at Royal & SunAlliance.
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