FloodCheckr does not sell insurance or provide financial advice. This page is designed as a practical checklist to help visitors compare flood insurance policies more confidently.
Key features to compare
Buildings cover
Check whether flood damage to walls, floors, fixtures, kitchens, bathrooms and structural repairs is included.
Contents cover
Check whether furniture, electrical items, personal belongings and valuables are protected from flood damage.
Flood excess
Compare the amount you must pay towards a flood claim. Flood excesses can vary significantly.
Alternative accommodation
Check whether the policy pays for somewhere else to stay if your home cannot be lived in after flooding.
Trace, access and drying
Check whether investigation, drying, cleaning and professional restoration are included.
Resilience upgrades
Ask whether property flood resilience improvements can be included after a claim.
Flood Re and difficult-to-insure homes
Flood Re is a joint government and insurance industry initiative intended to improve the affordability and availability of flood cover for eligible domestic properties at higher flood risk.
Questions to ask an insurer
- Is flood damage included or excluded?
- What is the flood excess?
- Are outbuildings, garages and gardens covered?
- Does the policy include alternative accommodation?
- Are previous flood claims or flood resilience measures taken into account?
- Could Flood Re support apply to this property?
Recommended Flood Preparedness Products
Useful items to consider as part of a practical flood preparedness plan.
Torches, first aid, waterproof bags and key household supplies.
View emergency kitTemporary barriers and sandless flood bags for doors and garages.
View flood barriersKeep phones charged during severe weather and disruption.
View power banksDrying and moisture-control items after water ingress.
View dehumidifiersAffiliate disclosure: As an Amazon Associate I earn from qualifying purchases.