The best way to protect yourself is through flood protection insurance. Should you need to make an insurance claim against your policy due to flood damage then you will most likely need the services of a loss assessor. The loss assessor is there to assess the damage and advise on an amount to be paid out in an insurance claim. The fee for the loss assessor will usually be a small percentage of the claim amount and so is effectively paid for by you and not the insurer you have taken a policy out with. The insurer may also appoint a representative (usually known as loss adjusters) to investigate your insurance claim. The loss assessor and the loss adjuster will work together to come to an agreement on the insurance claim with the loss assessor looking out for your best interests.
The loss assessor can help you with many areas that you may not have considered when making an insurance claim. For example, when claiming for flood damage the loss assessor can advise on any problems of mildewing and make the cost of any relevant treatment part of the insurance claim. Getting a loss assessor on your side at the beginning of your insurance claim is the best way to make sure you receive what is due to you should you suffer from flood damage.