Floods can sometimes be predictable. For example, charting the habitual swelling of the tides establishes typical water levels and indicates when coastal areas might be prone to flooding. However, more often than not, floods can arise without warning—rivers, lakes or the sea can overrun, swamp defences and surge through the surrounding areas.
The fickle nature of UK weather only exacerbates the unpredictability of floods, and with so many areas susceptible to flooding, one unexpected severe storm can trigger widespread, damaging floods. In England and Wales alone, more than 5 million properties—as many as 1 in 6—are at risk of flooding. One in 14 Scottish properties and 1 in 20 Northern Ireland properties are also at risk. With these odds, there is a good chance that one of these properties at risk belongs to you.
Neglecting to prepare your property for possible flooding can sink your business. Stay afloat with solid preparation and a thorough flood plan.
It is impossible to completely flood-proof your property, but flood preparation can lower your business’ risk of damage and reduce business interruptions.
Begin your preparation by consulting your area’s flood risk map. The Environment Agency (EA) publishes maps for England here, for Wales here, for Scotland here, and for Northern Ireland here. The EA makes three types of maps, each addressing a different flood hazard: surface water, reservoirs, rivers and the sea.
For areas of high flood risk, the EA offers Floodline Warnings Direct, a free service that provides flood warnings via telephone, mobile, email, SMS text messaging and fax. Sign up here.
Once you have assessed your risk, it is time to prepare your business accordingly. Buy and install products in advance that fortify your property against water. Consider the following precautions against flooding when building or remodelling:
In combination with your business’ physical flood prevention measures, adopt the organisational precautions listed below for more comprehensive flood preparation:
A flood plan is a written document outlining how your business will respond to a flood. Store your business’ flood plan in an easily accessible location—everyone should know where it is at all times. All flood plans should include the following:
Review and update your plan annually. Flood risks and procedures can change, so make sure your business is prepared.
Flood insurance is the ultimate preparation for your business. Check your commercial cover to make sure you are covered for flood damage.
Flooding poses a substantial—but not ruinous—threat to UK businesses but you can mitigate some of these costs by preparing well. Contact our risk management experts for more flood-preparation materials and help keep your business from going under.