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Intense bouts of flooding are set to become more frequent, according to a 2018 study by the Environment Agency. That’s one of the reasons why home insurance is so important, especially if you live in an area at high risk of flooding.
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.
Buildings insurance covers damage caused by flooding and will typically include:
Contents insurance generally covers damage due to flooding and will typically include the cost of repairing or replacing:
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.
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.
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 Re scheme, 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.
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.
Here are a few tips to help you with your insurance claim.
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.
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