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The UK is unique in providing flood cover as a standard part of home insurance policies. In many other parts of the world, the question about flood insurance is not “how much will it cost?” but “can I get it?” In flood-prone areas of the U.S, for instance, many insurers refuse to offer coverage to homeowners at all, leaving them at the mercy of the weather or necessitating government intervention in flood repairs.

The ABI has worked for years with the British government to help abate the risk of flooding and to ensure that all homeowners in affected areas have adequate flood insurance. In the wake of the floods this summer, the ABI maintains that it will continue to honor its commitment to provide insurance for homes in flood plain areas.If you own a home in a flood-prone area, you may be able to reduce your premiums by taking special measures to protect your property from flood damage. Those measures may include special plumbing valves to prevent sewage from backing up into your home and specific types of construction that can reduce the damage done by floods to your home.

For more details about ways to protect your home in case of flood, contact your local insurer, or visit the ABI’s web site about flood insurance and flood resilience.

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