Guide to flood damage prevention
Tips on how to minimise flood damage to your property.
Read moreFlooded home insurance
If your home has been flooded in the past, our expert non-standard property team can provide you with a range of insurance options to protect your property.
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0333 234 1507
What's covered?
If your home has been affected by flooding, or your property is in a high risk area, you may already be aware of how difficult it can be to obtain comprehensive home insurance. Our team of non-standard specialists will take the time to fully understand the history of your property so we can ensure it's properly protected. We provide cover for:
Your buildings
Your buildings against perils such as fire, flood, earthquake and storm damage
Flooded properties
Comprehensive cover for properties that have previously suffered from flooding
Property owners liability
Up to £2 million property owners liability cover
A tailored service
We'll provide a quick, efficient and tailored service for your flooded home insurance
Insurance for flood risk properties
With increasing water levels across the UK, and more and more towns falling victim to flooding, it's important to ensure you have adequate flood insurance to protect your home against flood damage. Depending on the frequency of flooding, or the measures you've taken to try and prevent flood damage in your home, your flood risk insurance quote could vary. It's always important to have a bespoke, reliable flood insurance plan in place.
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Frequently asked questions about flooded home insurance
Here are some frequently asked questions about covering a flood risk property, and how this could affect your mortgage.
What you'll need for a flood insurance quote
When getting a quote for flood insurance, we'll need to know the proximity of water (in metres) to your property from the nearest water course, as well as information about any history of flooding in the area. This should include causes and dates. We'll also ask you about any defences that have been installed since the flooding, and for a full flood claims history for your property, including the value of the claim and details of the work completed.
Does flood risk affect mortgages?
As part of mortgage requirements, lenders prefer buyers to have home insurance that includes flood cover. If you plan on buying a property in an area that has a high flood risk, whether as a landlord or as an owner-occupier, you may find the process difficult due to insurance availability and costs. If you're buying a property, your agent is legally obligated to inform you if it has ever flooded before. If your property has previously flooded, or is located in a high-risk flood area, many standard insurance policies may not offer the level of flood risk home insurance you need. Home insurance quotes for flood risk areas can differ greatly.
Can I get flood insurance for my property?
Whether you can get flood insurance will depend on a number of factors. You'll need to tell us key information about the property in order to obtain a flood insurance quote, such as how close is your property to the nearest watercourse and whether any defences have been installed since the flooding happened.
Why Endsleigh?
With over 15 years' experience insuring non-standard homes, our specialist UK based property team is waiting to help put some protection around your four walls. We work closely with leading specialist insurers to provide you with flexible insurance options to meet your non-standard needs.
Listed and period property insurance
Specialist insurance cover for listed properties or homes over 100 years old.
Barn conversion insurance
We can cover converted barns as a let property, main residence, holiday home or second home.
Unoccupied home insurance
Cover for your home if it’s left unoccupied for an extended period of time.
Holiday home insurance
Specialist insurance cover for your second home. We provide a full range of tailored holiday home insurance products.
Subsidence and underpinned home insurance
We'll cover your home if it has been affected by subsidence, heave or landslip.
Flat roof home insurance
We have over 15 years' experience providing flexible flat roof home insurance for all types of flat roof properties.
Need to contact us?
Our friendly team are ready to talk to you:
Monday-Friday, 9am-5pm
Call us on 0333 234 1507