When floods happen they can cause such bad damage to your carpets and upset to your home no matter how large or small the area affected is. As we still have to live in the property carrying on as normal, even if the property is upside down.

It's important to turn the water off immediately at your mains so that the water flow stops. You will need to contact your insurance company straight away and inform them of the flood and damage caused to your carpets, make sure you are covered and find out what your excess is as you will be asked.

You will need to contact a flood and fire Restoration Company to get excess water out and get the blowers on the floor and carpets as soon as possible. Insurance companies will try and restore rather than replace the carpet, unless it is sewerage water, then they will automatically ripe the carpets out. If the water has been down for 48 hours it will most likely start to smell. So in these cases they may also replace the carpets.

The insurance company will appoint an assessor to you who will contact you with in a day or so. He will want to know what has happened and what you have done so far. The assessor will arrange to come to your home and assess the damage to your carpets once they have been dried out. 

The assessor will want you to organize getting two to three quotes done on the cost of replacing your carpets. They may even suggest that you use there preferred estimators, this is not always the best solution for you. Competition can mean that they will try and put in a lower quote in order to get the deal through the insurance company. Make sure they are quoting on a carpet and underlay of equal or the same quality as you already have. Always get your own independent carpet estimators to go through and quote on what they think needs to be done to make it right again.

You may decide on a carpet company you feel happy with are not necessarily the same as the carpet company the insurance choose. You can insist on who does the work for you and if they have quoted more that what the insurance are prepared to cover you can always make up the difference.