Floods don't give warnings. One heavy downpour can fill a shop floor in minutes — ruining stock, damaging equipment, and leaving you wondering how to pick up the pieces.
Before anything else — don't re-enter a flooded space until the water has receded and you've confirmed the building is structurally safe. Floodwaters can hide open drains, exposed wiring, and unstable flooring.
Once it's safe, take clear photos and videos of every damaged item, the spread of flooding, and any structural damage. This evidence is critical for your insurance claim.
The National Disaster Management Organisation (NADMO) responds to major flood events. A NADMO report can strengthen your insurance claim and help you access government disaster relief.
If you're a Fido customer with a qualifying loan, open the Fido app → Menu → Insurance → tap “Submit a claim”. Upload your photo/video evidence, Ghana Card, Fire Service report (if fire), and NADMO report (if available). Once submitted, your claim will be reviewed and — if approved — the appropriate support will be provided.
Move undamaged stock to higher ground quickly. Separate what's lost from what's recoverable before disposing of anything — your insurer may need to assess the damage first.
Let suppliers know what happened. Many may offer flexible restocking terms while you get back on your feet.
Store valuable stock on raised shelving, keep an emergency kit, monitor GMet alerts during rainy season, and know your nearest NADMO contact.
Fido's Climate Disaster Insurance is automatically included with qualifying loans — at no extra cost. Check the Fido app to see if you're covered.
