News

Flooding is one of the most significant environmental risks facing UK households today. With changing weather patterns and frequent heavy rainfall, thousands of properties across the country are at risk from flood damage every year. While many UK home insurance policies include some form of flood cover, not all do. Checking your policy is essential, as it’s vital to understand your position and ensure you’re properly protected.

Who needs flood insurance in the UK?

If your property is in a high-risk flood area, your mortgage lender may require you to have flood cover in place. However, it’s not just riverside or coastal homes that are at risk, so read on, even if you don’t live near water. 

Surface water flooding, caused by heavy rain or poor drainage, is increasingly common across towns and cities. Even in a lower-risk location, a sudden storm could cause thousands of pounds’ worth of damage – so it’s important for every homeowner to review their home insurance flood cover carefully.

Why get flood cover?

Flooding can ruin flooring, furniture, electrics and even the structure of your home, and repairs can be costly. With the right flood insurance policy, you’ll have financial protection to repair and replace what’s lost, helping you recover quickly and with peace of mind.

What is included in a flood cover policy? 

The impact of a flood goes way beyond damaged carpets and furniture. Water may need to be pumped out of the property, then specialist contractors may need to be brought it to dry out the property before any repairs can begin. 

Flood insurance can cover the costs of these essential steps, alongside replacing ruined goods.

Equally important, many policies provide cover for temporary accommodation costs whilst your home is uninhabitable. This means you and your family have somewhere safe to stay whilst repairs are completed, which can be one of the biggest stresses following a flood.

When should you buy flood insurance?

The best time to arrange UK flood insurance is before you need it. Once a flood warning is issued or an event begins, it’s usually too late to add cover. New homeowners should ensure flood cover is included when taking out buildings and contents insurance, and existing homeowners should review their policy regularly - particularly if local flood-risk maps or assessments change.

If you’re not sure if you need flood cover, just pick up the phone and give Prizm a call.  We can look into your postcode and your current household insurance to advise whether additional flood cover is recommended. 

We can help with other household policies too, including general Household Insurance, Personal Accident Insurance, Unoccupied Household Insurance, Home Renovation Insurance and many other business and personal insurances to give you peace of mind at home and work.  

We can also help with Commercial Flood Insurance, as well as many other commercial insurances too. 

Flooding is disruptive, costly, and emotionally draining – so make sure you’ve got the right flood insurance in place, should there be any chance you might need it.