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Location
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To view our Loss Prevention Standard that supports this checklist, please view the following link: https://connect.avivab2b.co.uk/documents/view/aviva_flood_-_guidance_and_mitigation_global_lps.pdf
Assessing the Risk of a Flood
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1. Does the site have a history of flooding?
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2. Is the site close to any rivers, streams, water drainage ditch, similar water channels and open bodies of water such as lakes or reservoirs?
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3. Is the property located in a low-lying area?
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4. Is the property situated in a known flood plain?
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5. Are there any basements, cellars or similar used by you, which may be affected by flooding?
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6. Any additional comments
Actions to Be Taken if You Have Identified A Flood Risk
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7. Have you developed a Flood Emergency Response Plan or extended existing emergency plans, including Business Continuity Plans, and are they regularly tested?
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8. Are building walls sealed or liquid-tight to at least 1-metre higher than expected inundation levels?
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9. Where pipes, cable runs, etc. penetrate external walls, are they adequately sealed?
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10. Are critical/vulnerable equipment and stock stored off the floor or relocated to other parts of the premises, or to an upper floor?
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11. Is stock in the open stored on purpose-built, elevated metal racking secured to the ground and/or has consideration been given to the use of permanent water-resistant concrete plinths for yard storage?
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12. Are fuel storage tanks suitably anchored to limit the potential for damage or pollution under flood conditions?
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13. Where critical plant is located in basements and cannot be relocated, is the area around it protected from the potential of flooding?
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14. Have electrical and telecommunications points such as sockets, telephone connections, cabinets and servers been raised to a higher point, e.g. at least 1-metre above expected flood levels?
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15. Has consideration been given to replacing susceptible linings, furniture, fixtures and fittings, with more water-resistant alternatives?
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16. Are contracts and agreements in place with appropriate salvage, recovery, and restoration organisations?
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17. Has a flood kit been assembled? For example, does it contain:<br><br>• Insurer's emergency helpline telephone number?<br>• Details of the insurance policy?<br>• Other useful numbers such as customers, suppliers, the local council, and Emergency Services?
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18. Do you subscribe to flood alert warnings such as the Environment Agency flood alert scheme for properties in England?
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19. Have local property flood protection devices such as demountable barriers, airbrick covers (for brick buildings), sand bags, and non-return valves for drains and waste pipes been purchased/installed ready for use?
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Are nominated employees familiar with these devices and how to use them, and are suitable maintenance arrangements in place for such equipment?
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20. Has the health and safety of employees and visitors been considered in the event of a flood?
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21. Are regular checks of the building structure undertaken to look for any defects, cracks and gaps through which water could enter the premises? Is it ensured that any defects/openings that are discovered are promptly sealed up?
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22. Are drainage systems such as guttering, down pipes and drains regularly inspected and maintained at least once a year?
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23. Do any yards or adjacent roads slope towards your premises?
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24. If you become aware that local street drainage systems cannot cope in times of rainfall, do you ensure that this is reported to the controlling authority as it may be that it has become silted up and requires cleaning?
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25. Are your premises visited during times when the site is closed such as holidays, to make certain that any problems are identified at the earliest opportunity?
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26. Any additional comments
Actions to be Taken if a Flood is Forecast
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27. Has the Flood Emergency Response Plan been activated and communicated?
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28. If possible, have gas, electricity and water supplies been turned off (water at the mains), ensuring a safe shut down of critical plant and machinery?<br><br>Is power to alarm/security systems maintained during these times?
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29. Have all electrical items been unplugged and where possible stored up high or on upper storeys?<br><br>With regard to heavy electrical items, has the possibility of raising them above anticipated flood water levels been considered?
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30. Have flow valves been closed-off on gas and oil tanks that supply the premises through pipes and fittings?
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31. Has furniture, machinery and stock been moved to upper storeys?
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32. Have any temporary flood protection measures/barriers been deployed?
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33. Have vehicles and trailers been moved to higher and secure ground?
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34. Are procedures in place to be alert to the risk of flooding caused not only by rivers, but also surface water building-up and overwhelming drains following heavy periods of rainfall, leading to localised flooding?
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35. Has vulnerable stock sited in open yards been relocated?
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36. Any additional comments
Actions to be Taken During a Flood
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37. Have you cooperated with the Emergency Services including if they inform you to evacuate the premises during a flood?
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38. Are you prepared to act quickly to get all employees and visitors to safety?
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39. Has guidance been provided to all individuals advising them not to try and walk or drive through floodwaters?<br><br>• Six inches of fast flowing water can knock you off your feet<br>• Two feet of water can move a car
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40. Has information been provided to all individuals on risks to be aware of such as manhole covers having come off along with other hazards that cannot be seen under floodwater?
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41. Have employees been advised not to walk on riverbanks or cross bridges as they may collapse?
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42. Have employees been advised to avoid contact with floodwater as it may be contaminated with sewage? (They should be aware of waterborne diseases such as Weil's disease where there are areas of standing floodwater.)
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43. Have you contacted your insurer and your insurance agent to advise them what has happened?<br><br>Insurers will be able to provide best guidance and instigate any specialist services that may be required.<br><br>Ensure that they have your contact information in case you have to vacate the premises.
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44. Any additional comments
Immediate Post-flood Actions
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45. Have you ensured that only authorised individuals re-enter the site until such time as it has been deemed safe to do so?
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46. Have salvage operations been undertaken?
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47. Have you ensured that electrical or gas supplies in flooded buildings have not been used until appropriate checks have been completed by qualified individuals?
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48. Have checks been undertaken on the safety of any hazardous items?
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49. Have the fire protection and security systems been assessed including plans to reinstate them as quickly as possible?
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50. Have all covers and barriers been removed once the floodwater has receded to allow air to circulate and water to escape?
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51. Have flood protection devices been cleaned to avoid possible contamination?
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52. Have photos and videos of damage to buildings, contents or stock been taken as this may assist with damage assessment and settlement of a claim?
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53. If making an insurance claim, have you avoided disposing of any items until your insurers have confirmed that it is acceptable to do so?
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54. Any additional comments
Reducing Damage and Disruption from Flood in Future
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55. Have flood resilience or resistance measures been considered for all site buildings?
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56. Have you reviewed the Flood Emergency Response Plan following the flood and updated/amended it accordingly, along with other emergency plans such as Business Continuity?<br><br>Has any new learning, including training where required, been implemented?
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57. Any additional comments
Completion
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Additional Comments
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Completed by
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Please Note:
This document contains general information and guidance only and may be superseded and/or subject to amendment without further notice. Aviva has no liability to any third parties arising out of ARMS' communications whatsoever (including Loss Prevention Standards), and nor shall any third party rely on them. Other than liability which cannot be excluded by law, Aviva shall not be liable to any person for any indirect, special, consequential or other losses or damages of whatsoever kind arising out of access to, or use of, or reliance on anything contained in ARMS' communications. The document may not cover every risk, exposure or hazard that may arise and Aviva recommend that you obtain specific advice relevant to the circumstances.
