1Check that your insurance is adequate and that documents are kept in a safe place. If you live in a flood risk area, you may face higher premiums or excess, so get quotes from several insurers. 2Store sentimental items in a bag ready to remove if needed. 3Turn off gas, electricity and water. 4Make a family flood plan – who does what and goes where in a crisis. 5Make a flood-kit – torch, mobile phone, wellies (or flip-flops), blankets, first aid, waterproofs. 6Think about where you might move your car to a safer place. 7Get hold of sandbags. 8Have your stills or video camera ready – with plenty of film or batteries. 9Keep all damaged items, as your insurer may need to inspect them – unless they pose a health risk. 10Keep receipts for emergency repairs, as these may form part of your claim.