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What should I do with my flood-affected contents and carpet?

1. Document the Damage: 

You can start cleaning up, but first take pictures or videos of damage to the property and possessions, and keep samples of damaged materials and fabrics as evidence for your claim (for carpet, around a square metre should be fine, if it is safe to keep).

2. Remove Water and Mud-Damaged Contents: 

You are able to remove water or mud-damaged materials from your property that might pose a health risk, such as saturated carpets and soft furnishings (if the item is damaged and may be repairable or you are retaining destroyed items, store them somewhere where they do not pose a health risk).

3. Keep a Record of Items: 

You should make a list of all the damaged items and provide as much information as you can. This could include a description of the item, brand, model, and serial number.

4. Purchase New Items: 

If you have to purchase new items immediately to get you back on your feet, like a washing machine, fridge, or essential items then you’re able to do so. Please keep your receipts and if your Contents Insurance provides cover for these items and your claim for these items is accepted, we’ll provide you with a cash settlement for the covered items instead of replacing them.

5. Replacement of Non-Essential Items: 

If the replacement is not urgent, please make a list with a short description of the item and details such as brand, where the item was purchased and receipts/ proof of purchase if possible. Photos of the damaged items and replacement quotes may also help with the replacement process.

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