If anyone is in danger, call 999. Stay out of floodwater, keep away from electrics, and if you smell gas leave and call 0800 111 999 (Great Britain).
The decisions made in the first 72 hours define the entire recovery. Tell your insurer promptly. Call RISE before you agree a scope, sign anything, or let contractors start.
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Every room, floor to ceiling, all four walls. Every water level mark on every wall — with a ruler in shot where possible. Every damaged item in situ. The visible point of ingress. External — garden, driveway, drains. Gas, electric, and water meters. Date stamp confirmed. Backed up to cloud immediately.
Not the loss adjuster's form. Not the contractor's access agreement. Not the accommodation agency's terms. Read everything. Understand everything. If in doubt — call first.
Call any time. RISE aims to answer within the hour. Not a call centre. Not a callback. One call before the insurer's team arrives can change the entire trajectory of your claim.
Every flood that goes unreported is a flood that never officially happened. Under the Flood and Water Management Act 2010, your Lead Local Flood Authority must investigate flooding in its area to the extent it considers necessary or appropriate — and it can only act on floods it knows about, so an event has to be formally reported and properly recorded. Memories fade, evidence gets cleared away, and neighbours move on. If this flood isn't documented properly now, it may not count as evidence of a pattern the next time your property floods.
The four steps above protect your claim. This free guide covers the rest: switching off power safely, what to keep and what to bin, how to dry the house properly so it does not flood twice, and looking after yourself.
Read What to Do After a Flood Free. No sign-up.You have the right to ask these questions before agreeing to any scope, settlement, accommodation arrangement, or contractor access.
Download Free GuideWhat does my accommodation limit actually cover?
Ask for a written breakdown before agreeing to any property — council tax, utilities, removal, and storage are frequently deducted from the same pot.
Is my insurer signed up to Build Back Better?
Up to £10,000 for flood resilience measures. Ask in writing — and ask whether it applies to broker-held policies specifically.
Who is the loss adjuster working for?
They are appointed and paid by your insurer. They are not your representative. Everything they propose should be reviewed independently.
Could the cause be someone else's responsibility?
Collapsed culverts, failed highway drains — these belong to councils and water companies. Capture every piece of evidence about where the water came from.
What standard will the rebuild be done to?
BS 85500:2025 and Ciria C790. If the contractor cannot confirm this, the rebuild will not protect you from the next flood.
No obligation. No jargon. By the end of the call you will have a clear view of your options — whether you engage RISE or not.
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