Flood Damage Insurance Claims: What You Need to Know Post-Storm Herminia

Storm Herminia has swept across England, leaving homes flooded and countless families dealing with the aftermath. Flooding can cause severe damage to properties, creating significant financial and emotional strain. In these moments, knowing how to navigate flood damage insurance claims is essential for a swift recovery.

Assessing the Impact of Flood Damage

Floods, like those caused by Storm Herminia, can wreak havoc on homes and belongings. From structural damage to ruined personal items, the costs can quickly escalate. Before taking any further steps, it’s important to assess the damage accurately. Here’s what you need to do:

• Prioritise safety first: Ensure your property is safe to enter. Turn off gas, electricity, and water if necessary to prevent further hazards.
• Document the damage thoroughly: Take clear photos and videos of all affected areas and damaged belongings, ensuring nothing is missed.
• List your losses in detail: Create a comprehensive inventory of damaged or destroyed items, including their approximate values and any relevant receipts.

These steps are critical for supporting your insurance claim and ensuring you receive the appropriate pay-out.

Reporting Flood Damage: Start the Claims Process Early

Acting quickly is vital after flood damage. The sooner you report the issue, the faster you can begin the recovery process. Follow these essential steps to initiate your flood damage insurance claim:

1. Contact your insurer immediately: Inform your insurance provider about the damage and ask for specific guidance on the claims process.
2. Provide strong evidence: Share your photos, videos, and inventory of losses with your insurer. The more detailed your evidence, the smoother the process will be.
3. Understand your policy’s details: Familiarise yourself with your policy’s terms, including coverage limits, exclusions, and any specific conditions that may apply.
4. Arrange an inspection as soon as possible: Your insurer may send a loss adjuster to assess the extent of the damage and estimate repair costs. Ensure you are present during the inspection to answer any questions.

Tips for Navigating Flood Damage Insurance Claims

Making a claim can feel overwhelming, but these practical tips will help streamline the process:

• Keep all receipts and records: Maintain receipts for emergency repairs, temporary accommodation, or alternative living arrangements, as your insurer may reimburse these expenses.
• Don’t dispose of damaged items too soon: Hold onto damaged possessions until your insurer has reviewed them to prevent any claim disputes.
• Seek clarification if needed: If any policy terms or requirements are unclear, don’t hesitate to ask your insurer for explanations.
• Stay persistent and follow up: Check in regularly with your insurer to track the progress of your claim and ensure things are moving forward.

Preventing Future Flood Damage

While we can’t control the weather, we can take proactive steps to minimise future risks. Consider implementing these protective measures:

• Install flood defences where possible: Barriers, sandbags, and flood-resistant doors can help reduce water ingress and limit damage.
• Elevate valuable possessions: Keep important documents, electronics, and sentimental items in waterproof or elevated locations to protect them from flood damage.
• Inspect and maintain your property regularly: Ensure your home’s drainage systems, gutters, and seals are in good condition to prevent water accumulation.
• Review and update your insurance policy: Make sure your cover includes flood damage and offers sufficient protection for your home and belongings.

Robison & Co: Here to Support You

At Robison & Co, we understand the challenges that follow devastating events like Storm Herminia. That’s why we’re here to support you throughout the claims process, helping you secure the financial protection you need.

With bespoke insurance solutions, we ensure you have the right cover in place before disaster strikes. If you need expert advice or assistance with your claim, contact us today. Let us guide you through this process and help safeguard your home against future risks.

 

To discuss a new policy, or current policy  please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk

Employee attraction and retention trends in 2025: Well-being at the core

Employee Attraction and Retention trends in 2025 highlight the growing importance of employee well-being as a critical business strategy. As we step into the new year, attracting and retaining top talent depends on understanding and adapting to shifting employee priorities. With evolving workplace trends, businesses must take proactive steps to ensure their teams thrive. Let’s explore how well-being can play a pivotal role in these efforts.

Why well-being matters for employee attraction and retention

In today’s competitive job market, employees are looking for more than just a salary. Instead, they seek a positive workplace culture and robust well-being initiatives. Notably, businesses that invest in well-being see higher employee satisfaction, reduced turnover, and increased productivity.

On the other hand, ignoring these factors can make it harder to attract the best talent or retain existing teams. Therefore, now is the time to rethink strategies and embrace well-being as a cornerstone of your employee engagement efforts.

Key employee attraction and retention trends in 2025

Flexible working: A must-have for employee well-being

Flexibility remains essential for attracting and retaining employees. For instance, hybrid working models, which allow employees to divide their time between home and the office, continue to gain popularity. Moreover, businesses offering remote options or flexible hours are better positioned to meet diverse employee needs.

Financial well-being: Addressing the cost-of-living crisis

With rising living costs, financial well-being initiatives have become a priority. Consequently, employers are introducing benefits like financial planning workshops, salary advance schemes, and employee discount programmes. Supporting financial stability not only demonstrates genuine care but also enhances loyalty.

Mental health support: A critical workplace focus

Mental health remains a key consideration for employees in 2025. Offering counselling services, stress management workshops, and mental health first aid training fosters a supportive workplace culture. Additionally, proactively addressing mental health creates a more engaged workforce.

Personalised benefits: Meeting individual needs

One-size-fits-all benefits no longer appeal to today’s workforce. Tailored benefits, such as wellness programmes, professional development opportunities, and childcare support, significantly increase employee satisfaction and commitment.

Purpose-driven work: Aligning values with careers

More employees want to work for organisations that align with their personal values. As a result, demonstrating social responsibility and sustainability efforts helps attract and retain purpose-driven talent. Therefore, highlighting these efforts in your recruitment and retention strategies is crucial.

Implementing employee well-being initiatives in 2025

To effectively integrate employee well-being into your workplace, consider the following steps:

• Conduct Employee Surveys: Gather regular feedback to understand which well-being initiatives your team values most.
• Promote Awareness: Clearly communicate the availability of well-being resources to your employees.
• Invest in Training: Equip managers with the skills to support their teams’ well-being effectively.
• Measure Success: Use metrics like employee satisfaction scores and retention rates to evaluate well-being efforts.

Employee Well-being: The key to a thriving workforce

Prioritising employee well-being is no longer optional—it’s essential for attracting and retaining top talent in 2025. By embedding well-being into your workplace culture and staying ahead of these trends, you can position your business as an employer of choice. At Robison & Co, we understand the importance of a happy, healthy workforce. If you’d like to explore how insurance solutions can support your employee well-being efforts, we’re here to help.

 

To discuss a new policy, or current policy  please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk

Your 2025 Guide to Understanding Your Insurance Policy

Understanding your insurance policy can feel like decoding a foreign language. But it doesn’t have to be that way. When you grasp the key terms in your policy, you’re better equipped to protect your assets and make informed decisions. Whether you’re new to insurance or looking for a refresher, this guide will help you confidently navigate the language of insurance.

Why Understanding Your Insurance Policy Matters

Insurance policies are full of terminology that can be overwhelming. Misunderstanding these terms could lead to gaps in cover or unexpected expenses. For example, failing to understand what a warranty means could result in a denied claim. By familiarising yourself with these essential terms, you ensure you have the right protection when you need it most.

We’ve grouped some of the most important insurance terms into categories to make them easier to understand. Let’s dive in.

Policy Cover Terms

These terms outline what your insurance protects and what it doesn’t.

1. Average Clause
If your property is underinsured, this clause reduces the amount paid out on a claim. For example, if your building is insured for £500,000 but its actual value is £1 million, only half of a valid claim will be paid.

2. Limit of Indemnity
This is the maximum amount the insurer will pay under your policy. Understanding this limit helps ensure you have enough cover for significant losses.

3. Sum Insured
The total amount you’re insured for under your policy. It’s vital to get this figure right to avoid underinsurance.

4. Prevention of Access
This cover applies when property damage prevents you or your employees from accessing your premises. For example, flooding on nearby roads may block entry to your building.

Claims and Compensation Terms

When a claim occurs, these terms determine how and what you’ll be compensated for.

1. Indemnity
The principle of indemnity ensures the insurer restores you to your pre-loss position as much as possible. For example, if a fire damages your property, indemnity means covering repair costs.

2. Reinstatement Day One Non-Adjustable
This term relates to the initial cost of rebuilding or repairing property, including an agreed inflation buffer.

3. Subrogation
After paying a claim, the insurer can recover the costs by pursuing third-party liability. For example, if a faulty appliance caused a fire, the insurer may claim against the manufacturer.

4. Debris Removal Clause
This covers the costs of removing debris after an insured event, such as clearing up after a fire or storm damage.

Liability and Legal Terms

These terms outline protections for liability claims and legal issues.

1. Health & Safety at Work Defence Costs
This covers legal costs if you need to defend against breaches of health and safety regulations.

2. Indemnity to Principal
Extends cover to third parties, such as public or local authorities, when you are required to include them in your policy.

3. Conditions
These are the requirements you must meet for your insurance to remain valid:

• Conditions Precedent: You must meet these before cover applies.
• Conditions Subsequent: Failing these won’t stop a claim but could lead to damages.

Employee and Policyholder Terms

Understanding these terms ensures clarity about who is covered under your policy.

1. Definition of Employee
This includes contracted employees, self-employed workers, interns, subcontractors, and borrowed workers who perform tasks for your business.

2. Long Term Undertaking (LTU)
An agreement where insurers offer premium discounts if you commit to renewing your policy under existing terms for a set period.

3. Unoccupied Premises Warranty
This outlines conditions for securing vacant properties, such as regular inspections, to maintain cover.

Policy Additions and Extensions

These terms explain optional cover and policy enhancements.

1. Capital Additions Clause
Covers new additions or alterations to your property, such as newly acquired buildings or upgraded office equipment.

2. Other Interests
Any third party, such as a mortgage lender, must declare their vested interest in the property to the insurer.

3. Warranty
This is a condition you must meet for cover to apply. Warranties can include maintaining alarm systems or securing doors and windows.

Why Understanding Insurance Terms Matters for You

By understanding these terms, you take control of your policy. You reduce the risk of underinsurance, know what your cover includes, and can avoid common pitfalls when making a claim. For example, if you didn’t know about the average clause, you could face significant financial shortfalls after a loss.

At Robison & Co, we believe clear explanations and expert advice empower you to make better decisions. Our team takes the time to guide you through your policy, ensuring it meets your needs and offers comprehensive protection.

Need Help Understanding Your Insurance Policy?

Insurance doesn’t have to be complicated. At Robison & Co, we’re here to help you navigate your cover, answer questions, and ensure you’re fully protected. Whether you’re reviewing your current policy or looking for bespoke insurance solutions, we’ll guide you every step of the way.

Ready to take the stress out of insurance? Contact us today

 

To discuss a new policy, or current policy  please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk

Winter Road Safety Tips: Keeping Safe and Prepared This Season

Winter has arrived, making winter road safety tips crucial for staying safe on the roads. With icy surfaces, unpredictable weather, and greater risks for drivers, being prepared and informed is essential. Thankfully, winter driving doesn’t have to be stressful when you’re equipped with the right tools and strategies. Let’s explore how to stay safe during this challenging season.

Why Winter Road Safety Tips Matter

Winter driving presents unique challenges. Snow, ice, and reduced visibility significantly increase accident risks, often leading to costly damages. Reports reveal that icy conditions cause a considerable number of vehicle incidents each year. For those with high-value vehicles, the financial stakes rise even further. Consequently, preparing now not only saves time but also reduces stress and potential expenses in the long run.

The Risks You Face on Winter Roads

Driving in winter creates hazards that can impact both safety and finances:

• Icy roads reduce traction, leading to skids or collisions.
• Snow and fog obscure visibility, making potential dangers harder to detect.
• Breakdowns in freezing weather can result in high recovery costs and inconvenience.

By fully understanding these risks, you can make informed decisions to protect yourself, your family, and your assets. Moreover, preparation helps you avoid preventable accidents and ensures smoother journeys.

Practical Winter Road Safety Tips

Prepare Your Vehicle for Winter

Taking proactive steps to prepare your vehicle improves safety and reduces risks:

• Fit winter tyres to increase traction on icy roads.
• Check your battery, lights, and windscreen wipers for reliability.
• Keep an emergency kit in your car, including blankets, de-icer, torches, and a first-aid kit.

Plan Your Winter Journeys

Good planning ensures safer and less stressful winter trips:

• Monitor weather updates regularly from reliable sources like the BBC.
• Avoid unnecessary travel during severe weather warnings whenever possible.
• Share your travel plans with family members to ensure someone knows your route.

Adopt Safe Driving Practices for Winter Roads

Adapting your driving style helps reduce the risks of accidents:

• Drive at slower speeds and increase stopping distances for safety.
• Avoid sudden braking or sharp turns, which may cause skidding.
• Use dipped headlights in fog to improve visibility without dazzling others.

Bespoke Solutions for Peace of Mind

At Robison & Co, we understand that staying safe isn’t just about preparation. It’s also about comprehensive protection. That’s why we provide bespoke insurance policies tailored to meet your unique needs. These policies offer full cover for high-value vehicles. Whether it’s addressing damages from a collision or protecting against weather-related damage, our solutions deliver security and peace of mind.

What truly sets us apart is our unwavering commitment. With years of expertise, we provide trusted guidance and advice. However, we don’t just offer insurance, we offer a family. Like a family, we stand by you every step of the way. If the unexpected happens, you won’t face it alone. We’ll support you through every stage of the process with care and understanding. Trust us to handle the stress while you focus on what matters most.

With Robison & Co, you can confidently navigate winter’s challenges. Knowing unexpected events won’t cause unnecessary financial strain, you can drive with peace of mind. We work closely with you to understand your specific needs and provide tailored solutions that keep you fully protected.

Ready to protect your business against the unexpected? Click one of the contact options below to discuss how business interruption loss insurance can keep you covered when it matters most.

To discuss a new policy, or current policy  please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk