Flood Re

The easiest way to think about Flood Re is it like being insurance for insurers. It enables insurers to offer cover for homes that have previously been flooded or are in high flood risk areas. You get a normal insurance policy, just like any other, and if your home floods your insurer will still manage your claim - just like any other claim, but they will then recover the cost of this claim from Flood Re. This all happens in the background and you'll never deal or speak with Flood Re directly.

Unlike most insurance brokers we have direct access to Flood Re's property database, so we can check whether a property is eligible for Flood Re or not. We are also experts in the scheme's eligibility rules, so are able to guide a client to understand whether a property may be included. Should the eligibility of your property be uncertain or not known, we are also able to request an exception case directly to Flood Re on your behalf.

When your home is included in Flood Re, the flood part of your premium is fixed by the council tax band of your home. No matter how many times your home floods, your premium for flood won't change, it will always be fixed by your council tax band. Your flood excess (the amount you pay towards any claim) is fixed at £250 - no matter how many times your home floods.

At Flood Assist we are also able to offer Build Back Better, Flood Re's initiative to reduce future flooding costs by allowing up to £10,000 for flood resilience, over and above the costs of works to repair any damage caused by a flood. By the end of 2023, 70% of our clients will be covered with insurers offering Build Back Better - no small feat.

We are here to help answer questions you may have, with no obligation. Get in touch today and let us help you put your mind at ease.