The Insurance Council is advising people affected by recent heavy rain and flooding to contact their insurer as soon as possible.

'When it's safe to do so, take pictures of any flooding or weather-related damage – this will help your insurer with their assessment when you make a claim,” says Insurance Council Chief Executive, Tim Grafton.

'If property you've already photographed receives further damage, take more photos. This is especially important if you need to move damaged or contaminated goods from your house for health and safety reasons.”

Flood recovery tips:

• Do not do anything that puts your safety at risk or causes more damage to your property.
• Contact your insurer, or insurance adviser, as soon as possible.
• Avoid entering flood water, either on foot or in a vehicle. Flood water can contain raw sewage and contaminants, conduct electricity and mask hidden hazards, and poses a serious hazard to health. It may be deeper or moving faster than you expect.
• Try to make buildings safe and weatherproof but don't make any emergency repairs unless it is safe to do so. Don't start non-essential repairs without your insurance company's approval.
• If water has entered your property, don't turn on your electricity until it has been inspected by an electrician.
• Get essential services, such as water, electricity, gas and sewerage, repaired and keep copies of any invoices.
• Do what's necessary to make your home safe and sanitary. When cleaning, wear a mask, gloves and overalls to minimise exposure to possibly-hazardous materials.
• Take pictures and make a list of any perishables you have to dispose of.
• Remove and discard any water or mud-damaged goods that pose a health risk, such as saturated carpets and soft furnishings.
• Take photos of damaged property to help speed up the assessments and claims process. Keep any damaged items that don't pose a health and safety risk.
• Do not drive your vehicle if it has suffered water damage.

With weather warnings still out for much of the country, people should do what they can to prepare for the possibility of further extreme weather.

Get as much of your home contents out of harms ways as possible, secure heavy outdoor objects and park vehicles in garages if you can.

If you have electronics you can't move in low-lying areas, switch them off at the wall. Make sure you can access emergency equipment like torches and portable radios at all times.

'Improving community resilience to extreme weather events is a priority,” says Grafton.

'New Zealand needs to plan and adapt in ways that will reduce the impact of natural disasters – because every dollar spent in pre-disaster adaptation measures saves many more after an event.”