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Flood insurance is a part of home insurance that protects you against flood damage to your property.
The definition of a flood under this type of cover can mean any of the following:
Most buildings insurance policies do include flood cover, but this is not a given, so you should always read your policy documents closely to make sure you know exactly what is and isn’t covered. Some insurers might exclude certain elements or types of damage from their cover, or put a limit to how much they will pay out in the case of a flood-related claim.
Much the same can be said for contents insurance. You will definitely want to take out this type of cover if you live in a flood risk area, as it covers things like your furniture, your clothes and items such as carpets and curtains. Contents insurance will also cover you against other types of damage, as well as theft. Levels of cover will vary between providers and policy types.
Exact specifications will vary by provider and level of cover, but flood insurance usually includes:
Exclusions also vary by provider and level of cover, so look out for these elements:
According to the government, a place with a high risk of flooding from rivers or the sea means that each year, that specific area has a greater than 3.3% chance of flooding. This takes into account the effect of any flood defences in the area. These defences reduce but do not completely stop the chance of flooding, as they can be overtopped, or fail.
There are several of these areas around the UK. You can find out whether your home is located in one of the high-risk areas by using this very handy map on the GOV website.
Some known high-risk areas in the UK are:
If you don’t live in a high-risk area, then you have a lesser need for flood risk insurance.
However, as flood risk cover includes damage caused by storms, heavy rainfall and burst pipes, it can still be relevant to your property, as these are things that can affect any home.
Flood damage can be extensive and very costly to repair, so consider whether you will be able to pay for the damage yourself if you don’t take out flood cover.
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