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'It's destroyed' - Louth business owners count the cost after floods

It might be the highest pub in Louth, but even Lumpers Bar in Ravensdale could not escape the deluge that came on Monday night.

A nearby river burst its banks, surrounding the pub and its car park.

There is very little inside the large premises that has not been touched by flood waters.

Today, three days later, its owner Frankie McRory, with the help of staff, and local volunteers, is still cleaning up.

He walks us through the front door.

Mr McRory says: "All the silt has been sucked up and all the water removed, but all the skirting boards have to be taken off and replaced, the wiring and plumbing checked.

"The back bar has to come out, it's destroyed, all water damaged.

"There's a few fridges ruined, we haven’t checked everything yet. The whole lot has to be replaced, everything."

In the next room, he points to another bar to be replaced, as well as seating areas, a stage, a kitchen and a pool room, all destroyed.

This is one of the businesses on the Cooley Peninsula hit by flooding on Monday night.

On Tuesday morning, after a phone call with the insurance company, they discovered they did not have cover for flood damage.

Andrew Moore is part of the management team at the pub and says with damage in the "tens of thousands", the Government’s emergency flooding scheme is something they hope to access, to "take the sting" out of the cost.

Agne Lukoseviciene and Saulius Lukosevicius are counting the cost of damage to their takeaway

Today, the Government announced emergency flooding schemes for businesses that were originally opened for businesses hit by Storm Babet two weeks ago would now be extended to cover those damaged in recent days.

The schemes are targeted at small businesses with up to 20 employees, who, through no fault of their own could not get flood insurance.

Clubs, community and voluntary groups are also eligible.

Andrew Moore said that funding is needed as soon as possible.

"There’s already people working here, looking to get paid as soon as. Across the weekend, we have carpenters, different tradesmen coming in, they’ll all have to be paid," he said.

Next door, Agne Lukoseviciene and Saulius Lukosevicius are counting the cost of damage to their family takeaway.

The husband and wife team started Luko’s three and a half years ago.

"It was built in 3 and a half years, and everything is lost in one day. It's not good," says Saulius.

It is difficult to put a figure on how much this will all cost.

"It’s a couple of thousand, definitely, because it’s fridges broke down, food that has to go in the bin because it’s all flooded," he says.

The couple described the "huge shock" of finding their business underwater on Tuesday morning.

They are hoping for the help of friends to get the takeaway back open and also hope to access some financial assistance.

The flooding assistance schemes are being administered by the Irish Red Cross and is already open for new applications for this newly extended period of up to 5 November.

Deirdre Garvey from the Irish Red Cross says that the application process is a simple one, but that businesses also need to provide photographic and video evidence of the damage.

She says: "We have noticed, with applications from Storm Babet 25% of people are filling in the form but they are not sending us in sometimes the additional information, so it just delays it a bit, we have to go back and ask for it"

Ms Garvey adds 11 payments have been made in relation to Storm Babet and a turnaround time of two to three days has been achieved.

There have been 39 applications to date.

She says 40% of applications have applied for the lower level of funding to date, which would provide for up to €20,000 in payments.

While the remainder are for the enhanced scheme, where the most severe businesses could receive up to 100,000.

There is an assessment process to go through in order to receive the payments.

The closing date for applications for these schemes is 1 December.