Flood Insurance
Specialist Flood Insurance for Homes and Commercial Properties
Finding suitable flood insurance can be
difficult, particularly if your property
is located in a high flood risk area
or has previously suffered flooding.
At Edison Ives, we help homeowners,
landlords and commercial property owners
throughout the UK explore specialist
insurance options for properties
exposed to flooding.
Whether you’ve experienced flooding
before, have been declined by an insurer
or are concerned about increasing
insurance premiums, our team can
discuss your circumstances and
approach suitable insurance markets.
Request a Flood Insurance Quote
Struggling to find insurance
for a property at risk of flooding?
Tell us about your property,
its location, previous flood
incidents and any flood
protection measures in place.
Our team will review
your requirements and
explore available options.
Why Is Flood Insurance Important?
Flooding can cause
extensive damage to
buildings, contents
and essential services.
Even relatively shallow
floodwater can lead
to significant repair
costs, prolonged drying
periods and disruption
to normal activities.
For businesses and
landlords, flooding
may also result
in lost income
and additional
operating expenses.
Flood insurance
can provide financial
protection against
specified flood-related
losses, subject
to policy terms,
exclusions and limits.
What Does Flood Insurance Cover?
The protection available
will depend on the
type of property,
the insurer and
the insurance
arrangement selected.
Buildings Insurance
May cover insured
flood damage to
the structure
of your property,
including walls,
floors and
permanent fixtures.
Contents Insurance
May provide protection
for insured belongings,
furniture and other
contents damaged
by flooding.
Alternative Accommodation
Some policies
may provide
alternative accommodation
costs if an insured
flood event makes
your home uninhabitable.
Loss of Rent
For landlords,
cover may be available
for lost rental income
following insured
flood damage,
subject to the policy.
Business Interruption
Commercial insurance
arrangements may
provide protection
for certain financial
losses following
insured flood damage.
Flood Damage Repairs
Buildings cover
may include eligible
repair and reinstatement
costs following
an insured flood event.
Important:
Flood cover is not
automatically available
under every property
insurance policy.
Some insurers apply
flood exclusions,
higher excesses
or specific conditions.
Flood Insurance for High-Risk Properties
Properties located
near rivers, coastal
areas or in locations
with a history
of surface water
flooding may be
considered higher risk
by insurers.
This can make
obtaining insurance
more difficult,
particularly where
there have been
previous flood claims.
Some insurers may
decline to offer
flood cover or
apply additional
terms and excesses.
At Edison Ives,
we can discuss
your property’s
circumstances and
explore whether
suitable specialist
insurance is available.
Can You Get Flood Insurance After a Previous Flood?
Having experienced
flooding previously
does not necessarily
mean that insurance
will be unavailable.
However, insurers
may require additional
information about
the incident and
any steps taken
to reduce the
risk of future damage.
Information that
may be requested
includes:
- The date and cause of previous flooding.
- The depth and extent of floodwater.
- The cost of previous damage or insurance claims.
- Repairs and improvements completed since the incident.
- Flood barriers, drainage improvements or other protection measures.
- Any available flood risk assessment.
Providing accurate
information can help
insurers assess
the property
and determine
whether terms
can be offered.
Flood Re and Flood Insurance
Flood Re is a UK
flood reinsurance
scheme designed
to help improve
the availability
and affordability
of flood insurance
for eligible
domestic properties.
Not every property
qualifies for
the scheme.
Eligibility depends
on the scheme’s
criteria and the
insurance arrangements
available through
participating insurers.
Commercial properties
and many business-related
risks are outside
the scheme’s scope.
For further details,
visit the
official Flood Re website
.
Flood Insurance for Different Property Types
Flood insurance
requirements vary
depending on the
property’s use
and occupancy.
Residential Properties
Insurance enquiries
for homeowners
concerned about
flood risk or
previous flooding.
Landlord Properties
Flood insurance
considerations
for residential
landlords and
rented properties.
Commercial Buildings
Insurance for
commercial property
owners with buildings
exposed to flood risk.
Business Premises
Insurance enquiries
involving offices,
shops, warehouses
and other
commercial premises.
How Much Does Flood Insurance Cost?
The cost of flood
insurance depends
on the property,
its location,
previous claims
and the cover
required.
Flood Risk
The likelihood
and potential
severity of
flooding can
influence premiums.
Claims History
Previous flood
incidents and
claims may affect
insurer appetite
and pricing.
Property Construction
Building materials,
age, layout
and reinstatement
costs can
influence terms.
Flood Protection Measures
Flood barriers,
resilience measures
and drainage
improvements may
be considered
by insurers.
Higher-risk properties
may face increased
premiums, larger
excesses or
restricted cover.
Our team can
discuss the
information insurers
may require and
explore available
insurance options.
How Can You Check Your Property’s Flood Risk?
Understanding your
property’s flood
exposure is an
important first step
when considering
insurance and
risk management.
In England, you
can check the
Environment Agency’s
flood risk information
using the government’s
online service.
Check the long-term flood risk for a property
Flood risk information
can help identify
potential exposure,
although it does
not replace a
property-specific
professional assessment.
Specialist surveys
may be appropriate
for properties
with significant
or complex
flood risks.
How Can You Reduce the Risk of Flood Damage?
Property owners
may be able
to reduce
potential flood
damage through
appropriate
preparation and
resilience measures.
- Consider suitable flood barriers and flood doors.
- Maintain drains and gutters.
- Explore appropriate non-return valves where recommended.
- Protect or raise vulnerable electrical installations where practicable.
- Use flood-resistant or flood-resilient materials during repairs.
- Prepare a flood response plan.
- Sign up for flood warnings where available.
Measures should
be appropriate
to the property’s
circumstances and
informed by
suitable professional
advice where necessary.
Why Choose Edison Ives for Flood Insurance?
At Edison Ives,
we understand
that arranging
insurance for
properties exposed
to flooding can
be frustrating.
We take time
to understand
your property,
previous flooding
and the cover
you require.
Our team can
approach appropriate
insurance markets
and help explain
important policy
terms, flood
excesses and
exclusions.
We aim to
provide straightforward
advice and a
personal service
throughout the
insurance process.
Looking for Flood Insurance?
Whether your property
is in a high-risk
flood area,
has previously
flooded or
is approaching
renewal, our
team would be
happy to discuss
your requirements.
Speak to Our Flood Insurance Team
Contact Edison Ives
to discuss your
flood insurance
requirements.
Call us on
0113 390 4646
Or email
info@edinsure.co.uk