Flood Guards Systems Ltd is aware that the Association of British Insurers (ABI) policy on offering flood cover
to all homes in the UK, known as the Statement of Principles is going to end in 2013. This means owners of homes
and property in areas that are at high to medium risk of flooding will increasingly find it difficult to obtain
flood cover, leaving them dreadfully exposed should their property flood.
To combat this Flood Guards Systems Ltd work with two specialist insurers who are willing to look more favourably
at providing flood cover to properties at an elevated risk of flooding, providing certain criteria are met.
The paragraphs below outline the services that Bureau Insurance and Home Protect are able to offer. For further
information you can contact either of them directly by phone, fax, email or you can fill out our contact form,
the details of which can all be found in the “contact us” section of this website.
Bureau Insurance Ltd
To visit the bureau website please click on the following link:
"We aim to insure properties that have suffered flood/water damage where there is evidence that remedial work
(carried out by the Householder, Local Authority, River Authority or Environment Agency) has substantially
reduced the risk".
There are, approximately, 6 million people, living in 2 million properties (England and Wales) that are deemed to
be in flood risk areas.
If you have been flooded... or if you just happen to reside in a so-called "high risk flood area"... then you might
find Insurance for your house (to include the flood risk) very difficult indeed.
History suggests that reports of flooding are now, on average, nearly twice as frequent as they were one hundred
Insurance companies, as they do with subsidence impaired properties, will begin underwriting by the postcodes. This
could mean bad news for sellers. If a buyer can't obtain full perils Household Insurance (i.e. to include the
peril of flood) then he or she will find it very difficult to obtain a mortgage (because lenders normally require
full terms Household Insurance before advancing monies).
The same problems in obtaining full perils insurance will apply when a house has been flooded... and this fact is
declared on the Proposal Form. Claims history is very important to an Insurance company when considering
underwriting a risk. Flooding can blight whole areas. To offset this we will attempt to underwrite as many
properties as possible on an individual case-by-case basis.
Our methodology is simple... we will inspect every risk - and if we believe that the Local Authority, Government,
Environment Agency or River Authority... or even the Householders themselves - have carried out sufficient
"defensive" work to reduce the impact of flooding we will insure the property.
Home Protect Insurance
According to the Environment Agency over 5 million people in England and Wales live in a home that is at risk of
flooding from rivers or the sea. If you live in one of these flood risk properties or if you’ve been unfortunate
enough to have suffered flooding previously then you’ll know how difficult it is to buy house flood insurance
Well consider your problem solved. Homeprotect is one of a select few who can offer online flood insurance in the
market and can offer flooding insurance to owners of properties located in areas at moderate or high risk of
You can find out what the likelihood is of your home flooding by using the Environment Agency's flood map.
Or you can call them on the number below please mention the Flood Guards Systems Ltd website as your referrer.
Tel: 0845 155 1944
Open 9am - 8pm (Mon-Fri) & 10am - 5pm (Sat)
Homeprotect are proud supporters of Know Your Flood Risk, the campaign to help raise awareness of the issue of
flooding and encourage practical guidance and support to help protect homeowners and property professionals
against the risks.
The Definitive Guide to Flooding
Homeprotect have compiled The Definitive Guide to Flooding to help you know the risks and how to live with the immediate effects of a flood.
Find out more about the The Definitive Guide to Flooding.