What is flood insurance?
Flood insurance is a type of property insurance that covers your home and its contents against water damage typically caused by flooding after heavy rainfall.
Frequently asked questions
How does home insurance protect against flood damage?
Flood cover protects your property if your home is damaged by a river bursting its banks or sudden rising water caused by heavy rainfall, for example. Flood insurance typically covers damage to the contents in your home, the bricks and mortar, plus any fixtures and fittings.
What can I expect from flood cover?
Buildings insurance covers damage caused by flooding and will typically include:
- the cost of drying out everything in your home
- removing debris to repair your property
- damage to permanent fixtures and fittings, such as a fitted kitchen
Contents insurance generally covers damage due to flooding and will typically include the cost of repairing or replacing:
- furniture and carpets
- personal belongings
- electrical goods and equipment – some policies will offer cover for goods stored in outbuildings, up to a certain limit
Am I covered for damage caused by flooding?
Damage caused by flooding is typically covered as standard under a home insurance policy. Each policy is different, so check your details if you’re concerned about flood damage.
If you’re a homeowner, you might have buildings and contents insurance to protect your home and possessions.
However, if you’re renting, it’s usually up to your landlord to take care of damage to buildings and you’d need to make sure your possessions are covered.
What exactly do we mean by ‘flood’?
When we say flood damage, we mean flooding from ‘natural sources’ like excessive rain or a river bursting its banks.
If you have a burst pipe, this is likely to be referred to as an ‘escape of water’ and will come under a different section of your insurance policy.
What if I live in a high-risk area?
In the past, it’s been very difficult or very expensive to get flood insurance in high-risk areas.
Thankfully, things are getting better. The government’s Flood Rescheme, launched in 2016, can help save you money and ensure you get cover, so it’s worth shopping around to get a great-value deal.
Read more about how Flood Re works.
How do I know if my home is in a high-risk area?
An estimated 5.9 million homes in England and Wales – one in six – are at risk of flooding.
To find out if your home is one of them, see the government’s flood risk map.
What should I do if I’ve suffered flooding?
Here are a few tips to help you with your insurance claim:
- Report any damage to your home insurance provider immediately
- If you’re renting, contact your landlord or letting agent as soon as any flooding occurs
- Take photos of any damage
- Don’t remove anything affected until you’ve made your claim, or you’ve been instructed to by your claims advisor
- Find out how long it will take for the loss adjuster to survey the property
- Keep a record of everything related to your claim. There might be a lot of people involved in getting you back on your feet, so keep track of phone numbers and who you need to contact
How long does a flood insurance claim take?
The amount of time it takes to resolve a flood insurance claim can vary depending on the extent of the damage.
Minor damage could be resolved in weeks. However, for more significant damage this is likely to take months, possibly even years because of the process of drying out a property after flooding.
Depending on your policy, you may be offered temporary accommodation until your home is repaired.
How can I compare flood insurance?
Hit the ‘start a quote’ button, select the options that suit, and we’ll show you a range of home insurance quotes.
See how much you could save protecting your home against flooding today.