Floods are increasing – what can you do?

According to an international research project by Vienna University of Technology, storms and flooding are expected to increase in future between Iceland and the Alps – also including Switzerland. The reasons for this are more intensive precipitation, wetter ground and torrential rain. You've almost certainly experienced it yourself: first it drizzles a bit, then the rain gets heavier and suddenly it starts bucketing down. 

Torrential rain can pass within a few minutes. But the impact is often dramatic, as a great deal of rain falls within a short time and the ground usually doesn't have the capacity to absorb it. The consequences are rising water levels, rivers that overflow their banks as well as flooding, flash floods and landslides.

It isn't just flood plains that experience torrential rain; flooding can affect anybody. In 80% of cases, the reason for claim notifications to insurers is a flooded cellar. Wine, sports equipment, washing machines, shoes – anything that is stored in the cellar may suffer water damage. As a rule, the average claim costs amount to around CHF 3,000. The best prevention is always information: in case of uncertain weather conditions, the media and apps warn with push notifications about heavy rain, storms and possible flooding.

• In the event of a flood warning, empty at-risk cellars and garages or store objects at a safer height. 
• If you can expect regular flooding, you should not store items at ground level but keep them slightly elevated, for instance on a pallet or on a homemade platform. Just 20 cm can make all the difference.
• Seal off possible water inlets.
• Turn off the electricity, water and gas in exposed parts of the building, as penetrating water can cause short-circuits that pollute water pipes and even lead to fires.
• Disconnect your electric vehicle in your underground garage from its charging point. An electric vehicle that is charging can endanger lives in the event of a flood – after all, water conducts electricity.

If you are affected by flooding, you should keep a cool head and act quickly to stem the damage. However, only act if no people are in danger.

• Alert the fire brigade if necessary.
• Save what can be saved but be aware of your own safety – your life is more important than things.
• Create a list of the damaged items and take photos.
• Inform your insurer.
• Clean up, as mud and dampness after flooding can cause subsequent damage.