Flood & non-standard construction insurance

You should look for this cover if your home is unique or in a wet area.
- Check if you live near water or in a known flood zone.
- Use it for homes with thatch, timber or steel frames.
- Buy it if you have a prefabricated concrete house.
- Get cover if you are buying a listed property.
- Secure it to satisfy your mortgage lender before completion.

Getting this cover is usually done over the phone or online with a specialist.
- Share details about your roof and wall materials.
- Tell the broker about any nearby rivers or streams.
- Mention flood defences like gates or non-return valves.
- Ask if the FloodRe scheme can help lower costs.
- Compare quotes from underwriters who understand unique buildings.
- Receive your documents digitally once you have paid.

Having the right policy gives you peace of mind and financial safety.
- Protect your home against expensive water damage repairs.
- Ensure your mortgage remains valid and in good standing.
- Access expert repair teams who know old building methods.
- Feel secure knowing your unique roof is fully covered.
- Save money by using government-backed schemes for high-risk areas.

Brokers will ask technical questions to understand how your home was built.
- They need to know the exact percentage of flat roofing.
- They will ask about the age of your property.
- Expect questions about your home's previous flood history.
- Confirm if your home is a listed heritage site.
- State if you have any specialist fire safety measures.