Most home insurance policies with buildings and contents can offer up to 25,000 pounds of insurance cover and arrange alternative accommodation in the event of flood damage at home. Yes, within 24 hours of you speaking to your home cover provider and making a home insurance claim a loss adjuster will come out and visit your property and assess the situation. Once the loss adjuster has completed their assessment on your home they will arrange a timetable outlining what needs to be done to restore your home back to normal. Most home cover companies will first start cleaning and stripping out your home. They will employ a specialist cleaning organisation who is known as a disaster restoration firm. They will come to your house and remove silt and debris left by the flood and also clean all affected areas of your property. Then they will check the electricity supply, appliances and the gas. Next they will remove any damaged and wet home fittings and furnishing as well as remove any damaged woodwork or plaster in your home. Once they have finished cleaning and stripping your home they will then start to disinfect all affected areas of your property. The drying aspect of your house will take some time to dry maybe even months if it is a serious flood. This must be completed before the repair work can be started. All the repair and reconstruction work will be undertaken by a building contractor or company, who has to meet a high quality standard of work. All repair work will be guaranteed if there any issues to arise in the future you can rest assured that everything is covered. Any repair and restoration work on your home will include a new fitted kitchen or re-plastering work if necessary. It all depends on how bad the damage is that the flood has done to your home, but in most cases you could be back in your home in a matter of weeks, if you have a home insurance policy that will cover you for flood damage. So I ask is it a great idea to have home cover to protect your home in the event of flood damage? Otherwise it could cost you a lot of money with the repair work and cleaning process to get your home back to normal.