Surface water flooding is one of the most difficult types of flooding to predict for organisations such as the Environment Agency and insurers. Although it's not uncommon for the Environment Agency (or their equivalent) to issue a flood alert when there's likely to be a period of heavy rainfall and therefore a high chance of surface water flooding occurring. Insurer's are increasingly better at understanding which areas are at risk of surface water flooding. Over 25% of all flood claims occur in areas that insurers do not see as a flood risk.
Generally it does but we would suggest you check your policy wording to ensure that it is included. Insurers will sometimes (but not always) specifically define what a flood is within their policy wordings and sometimes this definition can and does exclude surface water flooding.
Yes, Flood Re will cover surface water flooding but only if this is something that your insurer provides you with cover for as a standard feature of their policy. Flood Re is a re-insurance scheme and will only pay your insurer for claims cause by types of flooding that it covers as standard.
To many insurers a flood is a flood irrespective of its cause, if you're buying your insurance through a price comparison website or an online quote system then the cause of the flooding won't be taken in to account, your insurer will likely make an automatic decision on whether they will offer you cover, whether to include you in the Flood Re Scheme (if they offer this option) and what premium to charge you.
One of the things that makes Flood Assist different is that we have the knowledge and expertise to understand the circumstances of your flood and request that our insurers take this into account where and when we can. There are some areas of the UK that are at a high risk of surface water flooding and when that's the case we won't be able to persuade our insurers otherwise, but when flooding occurs as a result of a unique set of circumstances then we'll present the case to them.
If your property has been impacted by surface water flooding and you need help getting insurance cover call our team of flood specialists on 01832 770770.