Previously flooded homes
Tell us when flooding happened, how severe it was and what repairs followed. Previous flooding does not automatically end the search for cover.
Specialist UK insurance broker
Home Flood Insurance
The property has flooded. It’s in a flood risk area.
We can normally get you insurance regardless.
For homes that have flooded before or sit in a flood-risk area, we explore specialist options, including Flood Re where the property meets its eligibility criteria. We can even insure the flood risk individually and as separate cover on top of another policy, although this is very specialist indeed, talk to us if interested.
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01832 735388FCA regulatedProperty Expert Ltd
Authorised and regulated by the Financial Conduct Authority.
Firm Reference Number: 615253What is home flood insurance?
Home flood insurance covers flood damage where it is included in the policy, subject to limits, excesses and conditions. The Home Insurer helps owners of flood-risk homes compare suitable options from a panel and considers Flood Re-supported cover where the full eligibility criteria are met.
Flood Re options
We can explore cover supported by Flood Re for eligible homes. Eligibility and an insurer’s offer need to be assessed separately.
Other property uses
Let properties, commercial buildings and homes outside Flood Re’s criteria may need different specialist options. Tell us how the building is used.
Cover is subject to underwriting, policy terms, limits, conditions and exclusions. Your quotation and policy documents confirm what is included.
Before we talkThe details that help
The details that help
us get it right.
- Flood dates, causes, water depths, claim costs and repairs.
- Property age, Council Tax details and how it is occupied.
- Flood doors, barriers, valves and other resilience measures.
- Rebuild value, contents, basement rooms and any existing flood excess.
Flood Re: check the full criteria
Flood Re is a reinsurance scheme that operates behind participating home insurers. It is not a policy you buy directly. Build date, Council Tax arrangements, occupancy and property type all matter. The insurer decides whether to use the scheme and sets your premium. Use Flood Re’s eligibility guidance alongside a discussion of your own circumstances.
There are some instances when a holiday home may qualify - normally under 120 days commercial use a year. Talk to us for more information on this or other specialist solutions.
Read the full Flood Re eligibility criteria.
Check the cover, not just the price
Check that flood is actually included, the flood excess, any maximum payout and the conditions for using protection measures. A policy that excludes flood does not solve a need for flood protection.
Cost & comparisonWhat affects
What affects
your premium?
Flood history, location, rebuilding cost, contents and the terms available through the insurer affect the price. Compare the flood excess and payout limit as well as the premium. Installing protection measures does not guarantee a discount; disclose them so they can be considered.
Send us your renewal terms if you have them. We can compare the cover, excesses and conditions with the options available through our panel and explain our recommendation.
People you can speak to
Leanne Parry
Office Manager · The Home Insurer
Our flood team will ask about previous events, repairs and protection measures. We can explain the flood excess and any limit on flood claims, helping you understand the practical difference between quotations.
Talk to our team on 01832 735388A little clarityYour questions,
Your questions,
answered.
Something specific to your property?
Talk it through with us.
Can you help after a previous flood?
Yes, we can investigate specialist options. Provide details of the flooding, claim and repairs. Availability and terms depend on the property and the insurer’s assessment.
Does being built before 2009 guarantee Flood Re eligibility?
No. Build date is one condition within wider criteria that also consider the property, Council Tax arrangements and occupancy. The insurer must assess the risk and decide whether to use Flood Re.
Can a landlord use Flood Re for a rented property?
Properties rented to people outside the owner’s immediate family generally do not qualify. We can discuss specialist alternatives for let property. Check the full criteria for the particular ownership and occupancy arrangement.
Do flood barriers reduce my premium?
They may influence an insurer’s assessment, but savings are not guaranteed. Tell us what is installed and maintained. If a policy requires protection measures to be deployed, those conditions need to be understood and followed.
Do you arrange commercial flood cover?
We can discuss specialist commercial options, including FloodFlash where suitable. Trigger-based cover works differently from a conventional damage claim: the agreed flood trigger and payout need careful consideration.
What is my rebuild cost?
The rebuild cost is what it would cost to rebuild your property from scratch, including demolition, VAT, site clearance and architects’ and surveyors’ fees. It is not the market value and not what you paid for it. For older, listed, thatched or stone-built properties it is often considerably higher than market value.
We must use the figure you give us. If it is too low, your insurer can reduce a claim in proportion — a 40% shortfall can mean 40% taken off any claim, including small ones. A £20,000 escape of water claim could pay out £12,000.
So that this doesn’t happen to you:
- If you’re confident in your figure, please check it still reflects any extension or alteration since it was last set.
- If you’re not confident, we strongly recommend a reinstatement cost assessment by a RICS-regulated surveyor. For a listed, thatched or non-standard property we consider a site visit necessary rather than a remote or desktop report — the features that drive the cost can’t be seen from photographs or aerial imagery.
You can find a RICS-regulated surveyor in your area through the RICS directory at dir.rics.org. We don’t receive any payment from surveyors and we don’t have a panel — the choice of firm is entirely yours, and your contract will be with them.
If you’d rather talk it through first, call us on 01832 735388 and we’ll explain what to ask for.
Please review your rebuild cost at every renewal, and whenever you extend or alter the property.
More detail, with a worked example, in our rebuild cost guide.
Let’s talk about
the cover you need.
Tell us about your property and we’ll help you understand the options available.
Buy with confidence
Authorised, regulated, and accountable.
The Home Insurer is a trading style of Property Expert Limited, authorised and regulated by the Financial Conduct Authority under firm reference number 615253, and a member of the British Insurance Brokers' Association.
Under the FCA's Consumer Duty we are committed to fair-value policies you can depend upon when you need them, and to good outcomes for every customer.
We place cover through a panel that includes Lloyd's of London markets, and we tell you which insurer we have recommended and why before you buy.