Get home insurance
Kate Devine, home insurance spokesperson at MoneySuperMarket said: “It is always important to have a home insurance policy in place, but particularly if your home is at risk of flooding.
“Insurers cannot refuse cover for homes that are in flood risk areas, as long as the government still fund local flood defences.”
Take the time now to check if your home insurance policy covers the cost of any restoration and repairs to contents and homes in the event of a flood and if not it might be worth investing, especially if you live in a high risk area.
Kate also explained to The Sun that trying to scoot your insurance along on the cheapest possible deal may not provide the right cover for what you need – you can still opt for a low costs but make sure you’re not missing out on protections.
She also said: “If your home is damaged by floods, it may be worth considering whether or not to claim on your building insurance, if the flood damage is only mild… Covering the repair costs yourself, where possible, can keep your no-claims bonus whilst avoiding paying any excess.
“In the future, this may also help keep your premium costs to a minimum. If your insurance provider offers flood insurance as part of the Flood Re scheme, then you will need to pay a £250 excess fee to cover any loss or damage claims that are caused.”
This post first appeared on Thesun.co.uk
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