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Flood insurance is often included as a standard part of your home insurance policy and will protect your home and its contents against flood water damage. If you live in a high-risk area, your home insurance provider may use the Flood Re scheme to help cover the cost. Flooding can occur as a result of a river or canal bursting its banks, seawater flooding due to storms or high tides, or heavy rainfall.
Flood cover as part of your buildings insurance will typically cover the costs for:
Keep in mind that high-value items such as jewellery and gadgets need to be listed separately on your contents policy if they are worth more than the single item limit. Single item limits are typically around £1,500
Home insurance policies can vary when it comes to what’s included as standard and you may need to pay extra to include certain levels of cover. Therefore, you may not be covered for the following:
As with any type of insurance policy, the price you pay for flood insurance will depend on a number of different factors. These include:
The quickest and easiest way to find the best level of cover is to shop around and compare quotes.
It’s best to do this as soon as possible.
Take photos or videos of the flood and damage caused and make a note of any details such as the time and date.
It’s important not to move anything until you’re given the go ahead by your insurer.
Your insurance provider may choose to appoint a loss assessor to help decide how much to pay out. Alternatively, you can pay to appoint one yourself.
"If you're buying a property, buildings insurance will usually be a condition of your mortgage offer. But that doesn't mean you have to buy cover from your lender's preferred insurer - instead, you could save a tidy sum of money by shopping around and finding your own policy."
Rachel Wait, Personal Finance Journalist
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There are a number of steps you can take to protect your home against flooding:
It’s also worth putting together an emergency kit including emergency phone numbers, batteries, a torch, a first aid kit, toiletries, blankets, non-perishable food and bottled water.