Flooded home insurance

Flooded home insurance

If you have been flooded in the past we can help you get insurance. Call us on 0333 234 1507 or request a quote.

  • With over 15 years' experience insuring non-standard homes, we know that flexible cover and great price are important to you
  • Our expert non-standard property team understands your unique situation and can provide you with insurance options to protect your property

 

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.

According to the Environment Agency, approximately five million properties in England are at high risk of flooding. But only half of these are at risk due to being near the sea or rivers. The rest of these homes are at risk due to potential sewer complications or flash flooding from groundwater.

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.

 

Can I get flood insurance?

Whether you can get flood insurance will depend on several things. We've identified four pieces of information you'll need to provide when going through the process of retrieving a flood insurance quote.

What you'll need for a flood insurance quote

  • The proximity of water (in metres) to your property from the nearest water course
  • History of flooding in the area - causes and dates should be referenced
  • Defences that have been installed since the flooding
  • Flood claims history, including value and work complete

 

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 private or commercial 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 perviously 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.

 

If you'd like to find out more about flood insurance, call us on 0333 234 1507.

 

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