Specialist Landlord Flood Insurance

Flooding can cause extensive damage to
buildings, fixtures and fittings, while
potentially leaving a rental property
uninhabitable for an extended period.

Without suitable insurance, landlords
may face significant repair costs and
loss of rental income.

Our experienced brokers understand
the challenges of arranging cover for
properties in flood-risk areas.

We consider the property’s location,
flood history, construction and any
protective measures before approaching
suitable specialist insurers.

What Can Landlord Flood Insurance Cover?

Depending on the insurer and policy
selected, available cover may include:

Important: Flood cover
is not automatically included in every
landlord insurance policy. Flood excesses,
limits and exclusions should always
be checked carefully.

How to Obtain Landlord Flood Insurance

1. Understand Your Property’s Flood Zone

In England, planning flood zones
indicate the probability of flooding
from rivers and the sea.

• Flood Zone 1: Low probability
• Flood Zone 2: Medium probability
• Flood Zone 3a: High probability
• Flood Zone 3b: Functional floodplain

Planning flood zones are only part
of the assessment. Insurers may also
consider surface water, groundwater
and other flood exposures.

2. Review the Property’s Flood History

Insurers may consider previous flood
incidents, nearby watercourses, the
property’s construction and any flood
protection measures already in place.

3. Provide Accurate Property Information

We’ll need details of the property’s
location, construction, occupancy,
claims history and any previous
flooding incidents.

4. Consider Flood Protection Measures

Flood barriers, resilient building
materials and other risk management
measures may help reduce potential
damage and can be relevant to
insurers’ assessments.

5. Compare Available Insurance Terms

We’ll approach suitable insurers
and explain any quotations available,
including flood excesses, conditions,
exclusions and policy limits.

Flood Re and Buy-to-Let Insurance

The Flood Re scheme was introduced
in 2016 to help improve access to
affordable flood insurance for
eligible residential properties.

However, buy-to-let properties
that are not occupied by their owners
are generally ineligible for the scheme.

This can make arranging flood
insurance more difficult for landlords,
particularly where a property has
previously flooded.

At Edison Ives, we can explore
specialist insurance markets that
may consider these properties.

Traditional and Parametric Flood Insurance

Depending on your circumstances
and market availability, different
approaches to flood insurance
may be considered.

Parametric insurance works differently
from traditional indemnity insurance.
A payment may not correspond to the
actual cost of damage, and no payment
may be made if the specified trigger
is not met.

Flood Insurance for High-Risk Rental Properties

Properties located near rivers,
coastal areas or locations with
previous flooding can sometimes
be difficult to insure.

Specialist insurers may consider
higher-risk properties individually,
taking account of their particular
circumstances and flood history.

Terms can vary significantly,
even between neighbouring properties.

Although flood cover cannot
be guaranteed, we’ll explore
available options and explain
any restrictions that apply.

Why Choose Edison Ives?

Our brokers understand the challenges
landlords can face when arranging
flood insurance for properties
outside standard insurer criteria.

We provide personal service,
access to specialist insurance markets
and straightforward explanations
of the cover available.

You’ll have a dedicated point
of contact who can help with
quotations, renewals, policy
changes and claims support.