Any property that is suffering water damage please consider doing the following things:

• STOP the water at its source – turn off at the stopcock / isolate the leak.
• TURN OFF electricity (only if you can do so without stepping in water)
• TURN ON heating in the affected rooms to 23 degrees and open all windows.
• FOUL WATER – remove carpets and store in secure location.
• DOCUMENT everything, take images of the damage, items can then be removed.
• OBTAIN quotes for the damage.

• If the property is not secure, arrange for temporary repairs to be carried out to secure e.g., board up windows.

* Please take photos and only carry out temporary repairs, keeping any receipts.

• Make sure you have reported the incident to the police, and obtained a CAD or Crime reference number (CRN)
• Start itemising any known losses and gathering receipts/evidence of their purchased items along with any images you may have.
• Obtain at least 2 quotes for any damages caused for review by the insurer.

• Do not reply to any correspondence other than providing your details.
• Supply any CCTV or images of the alleged incident.
• Make sure that all H&S/risk assessments are available for when the claim is being investigated.
• Report any incidents that you are aware of in an accident book or equivalent.
• Make sure that any witnesses/staff provide a written statement of the event.
• Provide contact details for the relevant person who will be dealing with the matter.

What to do after a motor incident.

• Stop the car – failing to do so is an offence.
• Switch off the engine and turn on the hazard lights.
• Check for any injuries to yourself or passengers – make a note of any passengers.
• Call an ambulance, if necessary, Call the police – 999 or 101 depending on the situation
• Give your details to anyone else involved.
• Collect details from any other drivers, passengers, or witnesses.
• Take photos of the vehicles involved, ideally in situ.
• Contact your insurer/broker.
• Do not admit liability or exchange in any discussion around liability.
• Do not correspond with the other party or any of their representatives.

*If the vehicle is undrivable and still at the scene, please mark the contact to your broker/insurer as URGENT.

Other information to collect from the incident:

• The registration numbers of all vehicles involved, plus a note of each vehicle’s colour, make and model.
• The time and date of the crash.
• A sketch showing the positions of the vehicles involved.
• A description of the weather conditions, plus anything unusual you notice about the road quality or lighting.
• A list of damage to vehicles and a description of any injuries sustained by pedestrians, drivers, and passengers.

Any motor incident can be very stressful; however, the above information should be recorded as soon as possible after the event.