Because of the high cost of clean-up and repairs following a flood, it’s important to have insurance for your home and its contents. To make sure there’s enough money available to pay the flood claims in the Flood Re scheme, the insurance industry pays a levy (fee) to Flood Re. They also publish a list of ‘flood friendly’ insurers. Floods are not covered under homeowners and renters policies. Each insurer has a different view of flood risk and this will be reflected in their decision to offer cover and what price to charge. For everything else please contact us via Webchat or Telephone. Accept and close If you've been affected by flood and need to make a claim, check our guide to claiming. You can can call us at any time of day and night if the worst were to happen. How to get the best deal on travel insurance, Be prepared when making a travel insurance claim, Travel insurance – choose the right policy and cover, Coronavirus – what it means for you and what you’re entitled to, Travel insurance if you have a medical condition, seawater flooding due to storms and/or a high tide, and. Adding flood insurance to your insurance package means you're covered if groundwater rises and floods your home—a situation that isn't usually covered by home policies. Most flood insurance is administered through the federal government. Flood insurance covers your home’s structure and personal property. Properties built from 2009 onwards have to meet new planning regulations which require adequate flood prevention measures to be in place. Admiral Group plc is registered in England and Wales at Tŷ Admiral, David Street, Cardiff. Although contents insurance isn’t compulsory, the cost of replacing everything in your home would be so high that it’s almost always a good idea to have contents cover. The amount of cover insurance companies offer for alternative accommodation varies. Your mortgage company usually insists on you taking out buildings insurance, which will often include flood cover. Call the National Flood Forum on 01299 403055. - Get free trusted guidance and links to direct support. Thank you for your feedback on our website. Sometimes the Government offers grants after a flood to help cover the cost of making changes to your home that will reduce the chances or cost of future flood damage, but this doesn't cover the cost of replacing your belongings. If your home floods, we'll deal with your claim as normal. Even if your insurance isn’t up for renewal, it’s worth checking. You can ask the Environment Agency for what’s known as an insurance-related request letter. You can look up companies which can provide an assessment on, - Get free trusted guidance and links to direct support, Clear English Award - Opens in a new window, Money manager for Universal Credit claimants, Workplace pensions contribution calculator, Check whether you’re covered in the event of a flood, Reduce your risk – and hopefully your premiums, Go to the BIBA website to find a specialist insurance broker, flood map on the Scottish Environmental Protection Agency website, flood map on the Department for Infrastructure website, Find details of your local Environment Agency office, Find out more about insurance-related request letters on the Environment Agency website. We will normally respond to your enquiry within 48 hours of receipt. Sorry, web chat is only available on If we feel we can't offer you a competitive quote we'll transfer the flood element of your cover into the Flood Re scheme. Flood Re explained It's an agreement between the Government and UK insurers, including Admiral, which allows us to offer more affordable insurance for areas most at risk of flooding. © Copyright 2020 The Money Advice Service 120 Holborn, London EC1N 2TD. Cover for your golf equipment if it's lost or stolen. Available on buildings and contents, for accidental damage to personal belongings, fixtures and fittings at home. If the answer to those questions is yes, you're probably used to struggling to find home insurance or facing high prices. The National Flood Insurance Program (NFIP) is the federal plan from FEMA. Being part of Flood Re isn’t considered a special term and won’t stop you getting insurance elsewhere. U.S. Congress has the twofold purposes of the NFIP to share the risk of flood losses through flood insurance and to reduce flood damages by restricting floodplain development. 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