Homes in Llanrwst faced a 3ft deluge

For two days, severe flooding has wreaked havoc across Wales forcing schools to close, roads to shut and homes to be evacuated.

But how will people who have had their possessions damaged and belongings washed away by the waters cope in the aftermath of the floods?

BBC Wales talked to Roger Eustace, a loss adjuster, who had some advice for those who had suffered already or who fear they may become a victim to the rising water levels.

Q: What happens now for the people badly affected by the floods?

A: One of the things they need to do is to notify their insurers of the damage, that is the first thing. They will get someone like myself out to see them to try and advise them of the best way forward.

In the meantime, they can try and salvage anything and take it out of the water area. Make sure electrical services are isolated.

But really you have to let the flood waters go down before there is an awfully lot more you can do.

Once the waters have receded, you can take up carpets, but you must retain them so that a loss adjuster who comes can see them and verify the claim.

It is very important that you retain those types of items. Store them in your garden or outside somewhere.

Q: How long can people expect to wait?

Loss adjustors are trying to get out and see as many people as they can. Obviously it is a pressure time for all concerned. If they want good general advice insurers should be able to help.

Q: These floods have been very serious and widespread. Will they lead to higher premiums for people in the future?

A: Obviously there are a lot of claims from people who live on the flood plains.

The risk they present to insurers is far greater than those who have had the occasional flood.

It [the premium] shouldn't be too bad but if it is a regular occurrence then clearly they have to rise to reflect the risk that they present to the whole.

Q: Do you have any advice to people who may be on the verge of being flooded?

A: I think the important thing is that, if anything that can be taken upstairs, take it at an early stage.

Use sands bags wherever you can and do what you reasonably can.

The word reasonable is important. You can't do everything, but you can take reasonable steps to protect your property and that is what you are expected to do as far as insurers are concerned.