Do You Need Home Flood Insurance?

If you own a property that has flooded previously or is in a flood risk area, then you will need specialist Flood Insurance to make sure the building and contents are protected against financial loss. As long as the house is your main residence, built before 2009 and has a Council Tax Band, you qualify for the Government and Association of British Insurers (ABI) backed Flood Re Scheme. Even if it is a rental property, holiday home or built after 2009 we can often offer some Flood Insurance terms through other expert providers.

A-Rated Insurers

We have a panel of A-rated insurance underwriters. That is to say we compare Home Flood Insurance providers for you. However, not all policies are the same or equal, therefore, you should read all offers of insurance carefully. As an illustration, you may be offered a policy with a high flood risk excess or even a flood limit on cover.  To this end the flood limit cover is a limited amount that can be claimed if your home does flood.

Flood Doors, Flood Gates & Other Protections

Whenever you put flood doors, gates, non return valves, raise the electrics and make a property flood resilient, we can approach insurers and ask for favourable terms. In the event there is a flood, they will expect your flood protections to be in place and operational. In reality, if not in place then your claim could be refused.

The Flood Re Scheme

The Flood Re Scheme is designed to assist properties that have flooded previously or may be at very high risk. Firstly, it doesn’t matter how many times the property has flooded, this scheme will still provide insurance. However, it does command an additional charge based on your Council Tax Banding. As well as Flood Insurance cover, these policies will include everything you normally expect from a standard home policy.

We Partner With The National Flood Forum

The National Flood Forum helps homeowners when the worst happens and a flood damages their property. Since The Home Insurer is an expert in Flood Insurance, we have partnered with the NFF for years and helped many property owners get Home Flood Insurance when no-one else offered terms. You will find us in the Blue Pages Directory under the insurance providers.

Flood Flash For Commercial Properties

Basically this is an insurance product that means any commercial property can insure against future flooding risk. In short, you install a device that monitors the flood inside the building and pays out when a certain level is reached. What’s more, you decide the payout available by balancing it against the cost of the policy. For example, you may pay a premium of £500 to insure against a 20cm flood; if that 20cm flood is triggered, you may receive a £10,000 payout. After that the policy pays out within days of a flood event so you can get back to business quickly.

Flooding and The Home Insurer

The Home Insurer is one of the leading Home Flood Insurance brokers in the UK, fill in the form here to see how we can help. On the other hand, call 01832-735388 to speak to a specialist insurance adviser.

The Home Insurer is an award winning UK specialist property insurance brokerage. In other words, you can have confidence in the Flood Insurance we sell. What’s more, we are members of the British Insurance Brokers Association (BIBA). Additionally, we have a 4.9 out of 5-star rating by our customers on Feefo.