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Flood risk property
High Flood Risk Property Owners Insurance
High flood risk property owners insurance helps landlords and property owners present location, flood history, resilience measures and rent exposure clearly when standard property terms become difficult.
Review flood risk property coverWho It Is For
- Commercial landlords and residential property owners in flood-prone areas
- Portfolio owners with one or more higher-risk locations
- Owners reviewing flood exclusions, excesses or restricted terms
Cover To Review
- Buildings, landlord contents and property owners' liability
- Flood, storm, escape of water and reinstatement wording
- Loss of rent, alternative accommodation and business interruption
Underwriting Detail
- Flood history, Environment Agency data and proximity to watercourses
- Flood doors, barriers, pumps, drainage and resilience works
- Basements, plant locations, tenant mix, sums insured and claims history
High Flood Risk Property Owners Insurance FAQs
Can high flood risk properties be insured?They may be considered, but terms depend on location, history, mitigation, occupancy, values and insurer appetite.
What information do insurers ask for?Flood history, resilience measures, claims, building details, sums insured, photos and tenant or occupancy information are usually important.
Can flood cover include loss of rent?It can be reviewed, but loss of rent, alternative accommodation or interruption wording should be checked carefully.