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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
Keep reading to find out more about flood insurance and how to protect your home if it's at risk of flooding. Read now
Has your home been flooded? Follow this in-depth guide on how to make a home insurance claim. Read now
In this guide, we discuss the benefits of accidental damage insurance and how to protect your home. Read now
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.
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When using the Compare service, you must take reasonable care to answer insurers' questions fully and accurately and if you volunteer other information, you must take reasonable care to ensure that the information is not misleading. If any information that you have provided changes before you take out your insurance, during the life of the policy or at renewal you must inform the insurer or broker of the change. If you deliberately or carelessly misrepresent any information in relation to this insurance, then your policy may not pay all, or part, of a claim and could in certain circumstances be avoided altogether.