Property flooded?
Flood Claim on UK Home Insurance
Flood is covered on most UK home policies via Flood Re — but excesses can hit £10,000+. See how to claim correctly.
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The short answer
Flood is a standard peril on UK buildings and contents policies, with high-risk homes usually placed via Flood Re. The flood excess is separate from the standard excess — often £1,000–£10,000. Alternative accommodation is included while the home is uninhabitable.
Frequently asked
- Is groundwater flood covered?
- Yes if it's sudden and rises from below — gradual ingress is excluded.
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Stop guessing. Check your actual policy.
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