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Frequently Asked Questions
Our expert Customer Advisors at Lloyds TSB Insurance have been keeping a useful log of some common questions being raised by our customers during the recent floods.
We have listed them below with some helpful answers...
Can I dispose of the damaged items?
Yes – although we would recommend you keep samples of carpets, etc and take photographs where possible, this will help us deal with your claim as quickly as possible.
Can I try to clean the damaged items?
You can attempt this if you wish, but we have professional cleaning companies at our disposal and they will be able to do this for you. There may be some health implications in cleaning some items if the water has been contaminated so please be careful and put the health of you and your family first.
Can I move items out of the property?
Yes – if it is safe to do so and it prevents further loss – we recommend that if further floods are anticipated that you move some of your most precious and sentimental items out of the property or to a higher level within your home.
Am I entitled to alternative accommodation and food allowances, how much?
At Lloyds TSB Insurance our policy covers the cost of alternative accommodation. We will also consider any additional costs, but these will require prior agreement from ourselves – so if you are a customer and would like further information please do contact us.
How long will the claim take?
This will vary depending upon the scale of the loss and severity of the damage to your home, the time taken to dry the property and complete the repairs. But please be assured that we are doing everything we can to get you back home as quickly as possible.
What happens next?
Each case is assessed individually and one of our claims handlers will advise you of the next steps after registration of the claim. We will work with you throughout the process to advice and inform you of what happens at every stage.
What does my insurance cover me for?
The policy booklet and your insurance schedule will give you full details of the cover you hold under your policy. If you are unsure or have any further questions please do contact us so we can help you.
What happens if my property has been cleaned and then it is flooded again, will I be covered?
As long as the policy is in force at the time of damage any repeat damage will be covered.
Who will replace the damaged items?
There are a number of options available to you including our recommended list of suppliers and our own designated ‘supply chain’ of specialist tradesman – ensuring you get back to your home as quickly as possible.