In recent years, the UK has experienced an increasing number of flood events, affecting various regions. Changing climate patterns indicate that these incidents are likely to become more frequent and severe, potentially impacting areas that have not previously been prone to flooding. As we again enter autumn, heavy rain and flooding is predicted for large parts of the UK.
Over the past decade, flooding has cost the UK approximately £2.2 billion annually, with £1.4 billion spent on repairs and flood responses, and £800 million allocated to flood defences like levees and seawalls. The average insurance claim for a flooded home is over £30,000, significantly higher than the typical claim of £2,200 for other types of damage.
The UK is now 9% wetter than it was 50 years ago, with six of the 10 wettest years since 1998. This trend, alongside more extreme rainfall events, suggests that the risks are growing year by year
Unfortunately, flooding has also claimed lives—36 people have died due to floods in the UK over the last 10 years
Flooding is often associated with overflowing rivers or coastal surges, leading many to believe that living away from such water bodies reduces their risk. However, surface water flooding, caused by heavy rain run-off, is a significant and widespread threat, even in areas far from rivers or the coast.
Before purchasing home insurance, it’s important to assess your home’s flood risk. Properties that appear to be at low risk can still be vulnerable. For a comprehensive flood risk assessment, refer to the following resources based on your location:
Flood risk in the UK is classified into four categories by the government, taking into account the potential for flood defences to fail or be overwhelmed:
Source: www.gov.uk
If your property is in a flood-prone area or has a history of flooding, choosing a policy with flood cover is crucial. Flood damage can make homes uninhabitable and require costly repairs and alternative accommodation. Without adequate flood cover, these expenses will fall solely on the homeowner.
At Intelligent Insurance, flood cover inclusion depends on location, postcode, and flood history. We clearly indicate if flood cover is excluded in our Policy Schedule under ‘Endorsements’.
Flood Re is a joint initiative between UK insurers and the government to make flood insurance more affordable. If your property was built before 2009 and is not a commercial building, you may be eligible for Flood Re cover.
Ensure your home insurance, particularly flood cover, meets your mortgage provider’s requirements. Some lenders require flood cover, and not having it could breach the terms of your mortgage agreement.
If your property has previously flooded or is at high risk, consider obtaining a Professional Flood Survey, which includes a site visit from qualified surveyors or engineers specialising in flood assessments. They may recommend specific improvements, such as:
These prevent foul water from backing up into your property. Even if floodwater does not enter through other means, water can back up through drains and overflow toilets, baths, and sinks.
Standard air bricks provide ventilation but also allow water to enter. Anti-flood air brick covers can replace your existing bricks, preventing water ingress while maintaining ventilation.
Flood doors can be installed on all external entrances and stored away when not needed. They can be quickly set up if you receive a flood warning, helping to protect your home.
Raising the height of electrical sockets can reduce the cost and disruption of dealing with future floods. Replacing downstairs carpets with tiles, which dry and clean more easily, is another effective option.
It’s also recommended to sign up for flood warnings through the free government service.
Experiencing a flood can be devastating. Often, much of what remains after the water recedes is unsalvageable. If you have flood cover, contact your insurer as soon as possible to get guidance on recovering your property and contents.
For advice on recovering after a flood, visit the following resources:
UK Government’s advice on recovering after a flood.
JBA Consulting’s flood risk services.
Understanding and preparing for flood risks is essential. Make sure your home insurance policy includes adequate flood cover to protect your property. You can get a quote online in just a few minutes, speak to one of our experts via chat, or call us on 03333 11 11 10.
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