Flood damage: is my home covered?

Flood damage W

Damage caused by floods is every property owner's worst nightmare, but unfortunately it does still happen. It is important to have the correct insurance in case you are ever in such a situation, but many people are confused about what cover they need. Have a read through our advice to find out more...

UK flood facts

More than five million properties in England are at risk from flooding, according to figures published by the Environment Agency. Approximately 1.4 million of these could be flooded by the sea or nearby rivers, while 2.8 million could be affected by surface water. Around a million properties are unfortunately at risk of flooding by all these causes.

Properties are categorised by different levels of risk, with those at a higher danger having a one-in-30 chance of flooding each year, while lower risk buildings have a one-in-1,000 possibility.

If you're worried your home may be affected, read on to find out how to insure it in the correct way.

Getting the right insurance

It is recommended that homeowners purchase both building and contents insurance to make sure they are covered in case of a flood. Once you've set up appropriate insurance, read your documents thoroughly to ensure you understand what you are now covered against. It is important for your insurance company to have up-to-date details - make sure you inform your provider of any changes.

Still confused?

Call Computerquote Insurance on 0800 389 9949 for more advice on flooding and home insurance.

Protect your property

There are a number of precautions you can take if floods are expected.

Electrical goods and gadgets: Television sets, fuse boxes, electrical sockets and any wires are safest when fixed to the wall around 1.5 m above the floor. If you're not able to move larger electrical products, cover them with sealable bags. Move cars on to higher ground where possible.

Valuables: Other precious items such as photographs and important documents will need protecting too. Placing them upstairs in waterproof containers is a good idea. Look after your pets as well; take them to a safe place if flooding is expected.

Home furnishings: Rolling up carpets, taking curtains down and placing waterproof coverings on furniture are other good ideas.

If you live in a high-risk flood area, protective doors and windows can be fitted, and it would be sensible to replace wooden floors with concrete and use plastic rather than wood in kitchens. Placing sandbags around your property can also help.

Be aware of the dangers

Floods don’t just soak through your home but also bring an array of dangers too. If floods are imminent, remember to turn off gas, water and electric supplies and disconnect appliances.

If you are evacuated to a safer place, remember to lock your door. Be careful walking or driving as water depths can be hard to judge. Preparing a kit with waterproof and warm clothing and food supplies would make the evacuation process easier. Keep your insurance documents with you too so they don't get damaged.

When you’re back home to assess the damage and start clearing up, remember that water may be contaminated. It is advised that wearing gloves and wellington boots when sorting through the damage and debris.

What's your flood risk?

Find out your flood risk on the Environment Agency website.

Computerquote Insurance - here to help

We understand that insurance can be complicated and confusing at times. That’s where we come in. We can help you find the right cover for your needs from our panel of UK insurers. Call us on 0800 389 9949 or 023 9224 7870 or get a quote online.

Get a quote  Recall a quote

Recommended

Moving home insurance Q&A

While it’s exciting, moving home is also one of the most stressful experiences you’ll ever face. From sorting out the fees to moving your energy supplier to deciding on what to take and what to throw away, there are a million and one things to think about.

Read more