Flood risk cover

Flood risk cover

Whether you want to blame climate change, evolution into a new era or poor dam provisions - flooding in the UK is much like the water; on the rise!

The addition of flood risk insurance is becoming increasingly important, especially in high risk river and coastal areas and with so many policies excluding it as a part of their standard cover.

It’s important to know in advance of purchasing a property whether your prospective new home is at risk and you can access that information from the Environment Agency flood map that indicates those areas under threat. If you already live in one of these regions, taking extra measures to protect your home is essential to safeguard your property and its contents and to help cut down your annual insurance premiumsinsurance premiums.

You can also download the Environment Agency’s guide 'Prepare your property for flooding' here, that highlights simple and low-cost measures to limit the potential damage to your home.

How to lower a flood risk premium (homeowners)

• Have your gas appliances and electrical sockets moved above the flood level
• Utilise more flood and damp-resistant materials on floors and walls
• Make sure any valuables are stored in dry areas
• Look at the provision of temporary flood barriers

How to lower a flood risk premium (builders):

• Install gas appliances and electrical sockets above the flood level
• Install defences against flooding inside the landscaping of housing developments
• Fit valves to prevent the backward flow of sewage