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Accidents, storms or flooding can leave a trail of destruction in their wake. Proper insurance cover for property and possessions can ease much of the distress.

1. Insurance can cover the cost of building repairs and replacement of household contents as new - you can insure against a wide range of risks including "Acts of God"
2. Housing Associations will repair the buildings they own, but tenants should check whether they need to insure their personal possessions themselves
3. Tenants should know who to contact for emergency repairs
4. People with leasehold or privately-rented homes should check agreements for property repairs with the landlord or agent
5. If you need to arrange repairs, stick to established firms with good reputations
6. If you can't find anyone suitable, ask a recognised trade association for advice
7. Decide now which firms you would use in an emergency and make a note of their number with details of your insurance on the contact sheet.

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