Previously flooded policies

Invicta Insurance Services Limited can help you overcome the challenge of arranging insurance for a property that has suffered from flooding in the past.

According to the Environment Agency over 5 million homes in the UK are at risk of flooding from a river or the sea. If you are unfortunate enough to have been flooded in the past or you live in a flood risk area, you are no doubt aware of how difficult it can be to obtain appropriate insurance cover. Most insurers will have no interest in offering cover for your home. However, Invicta Insurance Services Limited can arrange bespoke cover for your previously flooded home.

Insurers will need to know more about your property, such as:-

  • What was the source of the flooding?
    This is normally a river or the sea, the small brook or stream nearby that burst its banks after heavy rain, or backing up drains. How much higher than the water are you normally?
  • What remedial work you have done to protect your property?
    YYou may have installed sumps and pumps, tanked the walls of the property or installed door guards. The insurance provider will be interested in any preventative measures that you have taken to reduce damage should the flooding reoccur.
  • What remedial work has been completed to prevent flooding in the future?
    The Environment Agency may have dredged and cleared the nearby water course, engineered flood channels or installed a flood barrier.

If you are considering buying a property which has flooded, you should approach us when searching for insurance cover. You should ensure appropriate cover can be secured early in the purchasing process. It can sometimes take longer than expected to obtain cover and this will likely hold up any mortgage application.

Any future property value may be affected by previous flooding regardless of how long ago the damage occurred, but this can be offset once specific flood defences have been proven to work.

Flood prone home insurance policies sourced by Invicta Insurance Services Limited include the following key benefits as standard:

  • Loss or damage to the contents of your home
  • Personal belongings such as jewellery
  • New for old replacement of home contents
  • Cost of temporary accommodation if your home becomes uninhabitable due to insured damage
  • Loss or damage to the buildings of your home
  • Fridge and freezer contents
  • Cover for garden contents
  • Replacement locks and keys
  • Accidental damage to home entertainment systems
  • Student accommodation cover
  • Cover for cash at home
  • Extra cover for birthdays, weddings and religious festivals

Your home insurance can be extended to include the following additional benefits:

  • Legal assistance cover
  • Accidental damage cover
  • Personal possessions cover
  • Home emergency cover
  • Loss of keys cover

More reasons to choose Invicta Insurance Services Limited as your preferred broker:

  • Competitive prices
  • Flexible policy cover
  • Full range of insurance products
  • Independent advice from experienced professionals
  • Swift and simple quotation process
  • Rapid electronic documentation production
  • Friendly and personal service
  • Dedicated 24 hour claims service

Please call us now for more information on:

01732 471950

Or email:

Home insurance policyholders who are at risk of flooding can also benefit from motor insurance, travel insurance and legal expenses cover – please ask us for more information

Invicta House, Amherst Hill, Riverhead, Sevenoaks, Kent, TN13 2EL
Tel: 01732 471950 Email:
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