Landlord Insurance Including Flood Cover

Landlord Insurance with Flood Cover
Landlord Insurance Including Flood Cover

If you live in a high-risk flood area, you’ll probably want to take a landlord insurance policy with flood cover included, just to be on the safe side. Before you find out about the what’s covered in the policy, here’s some flood statistic.

Do you know there are more than 5.0 million people in England and Wales live in a high-risk flood area, now that’s a lot of houses. This means that one in every six homes is at risk from flooding.

This means they’re now 5.2 million properties now at risk of flooding in England, that’s why landlord insurance including flood cover is necessary.

Rain; there was enough to fill a river in 2012, actually there was 1,330.7mm, just 6.6mm short of 2000. It’s really clever how they measure this and how they can make home safer with this information.

Landlord Insurance Including Flood Cover

Do You Know?

  • Do you know in 2012 there was a record, yes it was the wettest year ever recorded?
  • It costs insurance companies round £1.1 billion to fix flooding repairs in England, we are not sure about Scotland as not report has been done.
  • Do you know that you are more likely to get flooded than burgled here in Britain?
  • Do you know that flash floods can bring walls of water from 10 to 20 feet high and wipe out houses in seconds?
  • Only 41% of people eligible for free flood warnings are registered with their local council to receive them by email or letter.
  • Do you know 40% of businesses do not reopen after flooding because they just can’t afford to continue business?

About Landlord Insurance Including Flood Cover!

Now we can explain the benefits of this cover and what the cover will pay out if you make a claim. 

Buildings and contents insurance

When you take out a policy that includes flood cover you’ll also need building insurance. This will pay for any damages to the building caused by flooding.

As well as your building insurance, you might want to take on contents insurance to replace the furniture and valuables in your home after a flood.

Alternative accommodation costs

When you have the proper cover in place, you don’t need to worry about flooding and the cost of repairing the damage. As soon as it happens your insurance company will pay for alternative accommodation if your place is uninhabitable.

Cost of repairs

The policy will pay the whole amount the property is insured for, if you’ve told them the full value off course. All repairs will go ahead while your living in your alterative accommodation (paid by the insurance company).

Insurance companies are now really good at sorting flooding victims claims and why do it fast. You’ll find the work can take a few months to start, as the water needs to settle down first.

Compare landlord insurance prices that include flood cover!

You can use the free landlord insurance comparison form, it compares top rated companies, which cover for flooding and building damage.

Click here for a cheaper landlord insurance policy with flood cover included.

More on water damage landlord insurance here.

Useful tools

Free flood risk check!

You can check if your in a flood area by using Risk Central, you visit them by clicking this link.

Content Resources:

References: Environment Agency, Defra, Parliament UK.

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