To see if your own home is at risk from flooding or if you’re thinking of buying a house you suspect might be, you can request the Environment Agency’s flood maps for England and Wales.
Scotland and Northern Ireland have similar information on the Scottish Environmental Protection Agency and Department of Agriculture and Rural Development websites.
Being well prepared for the incoming flood is the best way that you can protect yourself, your family, your home and your belongings.
If water levels rise, they will do so quickly, so you’ll need to be prepared and act quickly to increase the flood defences of your home to limit the damage as much as possible.
As well as stopping the water, you want to help your home dry out again as quickly as possible, should flooding occur.
Make sure you speak with your insurer before commencing any repair work, as it is likely they will want to use their approved tradespeople.
Flood insurance is included under your regular buildings insurance and should cover damage to walls, ceilings, floors or windows.
Personal items or valuables will be covered under your contents insurance but it’s always a good idea to read the small print to double check what will and won’t be covered in the event of a flood. Some more valuable items may require separate insurance policies or even a ‘high risk’ policy.
If required, your insurance policy may cover the costs of drying out and repairing your home, replacing damaged possessions, the fees for professional services (builders, architects, solicitors etc.), and even alternative accommodation if you are unable to live at home, depending on the policy.
Your buildings insurance will take into account how much your property is at risk of being flooded, which, according to the Association of British Insurers (ABI), will be in one of three categories: low, moderate or significant. Taking steps towards flood prevention might work towards lowering your home’s category.
Find out more about home insurance from MORE THAN.
If you’re affected by flooding and need emergency help, call our helpline on 0800 300 684, open 24 hours a day.
You can register a home claim online or call us on 0330 100 7783.
Before you make a claim, please make sure you have your policy schedule and as many details of the damage as possible to hand, as this information will speed up your claim.