Managing costs, extra financial support, help with work or study. Paying and getting funding, ways to pay, problems with care. Difficult conversations, talking to teenagers, older people and partners.
Mortgages, help buying, remortgaging, first-time buyers, help and support. Renting a home to live in, renting out a home, and overcoming problems. What to do about mis-selling, compensation and complaints. Introduction, how it works, all about contributions.
How much do you need, ways to build your pot, transferring and merging. Complaints, financial help when retired, changes to schemes.
Starting a pension, types of pension, understanding pensions. How it works, what you might get, National Insurance. Ways to draw your pension, when can you retire, Pension Wise appointments. Tax allowances, tax paid on pensions, tax relief.
All guidance, including how to use the Pension Wise service. Getting started, getting the most out of savings, problems. How to invest, types of investing, buying and managing. Help with meeting goals, tax-friendly saving, saving for children. Flooding is becoming more common in the UK and apart from the heartache and hassle, the cost of cleaning up can be huge.
If you live in a high-risk area, getting flood insurance at a price you can afford is a good idea. Flood insurance is normally included as a standard part of your buildings insurance, which protects you in the event of damage to the structure of your property. If you live in an area considered to be a possible flood risk, you might need flood insurance in case of:.
When it comes to claiming for damaged belongings, the amount your insurance company will pay out depends on the type of contents insurance you have:. Make sure you take pictures of damaged goods and keep samples of things like carpets and furnishings to show your insurer. You might need to move out of your home while the flood damage is repaired. But the amount of cover that insurance companies offer for alternative accommodation can vary.
If your cover is too low, you might need to move back into your home before the repairs are finished or foot part of the bill for alternative accommodation. Has your home been damaged by water coming from inside your home, such as from a leaking or burst pipe? If the damage is due to a burst or leaking pipe, your insurer might want to ensure you took the relevant preventative measures. Flood Re is a joint government and insurance industry initiative.
It aims to help insurance providers offer more affordable policies to households with eligible properties affected by flooding. The last thing you need is a hitch if you ever need to make a claim, especially when it comes to something as potentially distressing as flood damage. For instant money guidance based on your circumstances, get started with our Money Navigator Tool.
The National Flood Forum is a national charity that gives independent advice on how to go about getting flood risk insurance. If you live in England, you can contact your local Environment Agency office to ask for more information on the level of risk in the area where you live. This will help present your risk profile to insurance companies in the best possible light and will highlight things you can do to reduce the risk. To increase the chance of insurance companies being able to make use of the information, make sure that the survey is as detailed as possible and include facts and figures about the level of flood risk to the property.
Join our private Budgeting and Saving Facebook group for money-saving tips and support from a community of savers. MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices.
Whatever your circumstances or plans, move forward with MoneyHelper. Download app: WhatsApp. For help sorting out your debts or credit questions. For everything else please contact us via Webchat or telephone. Got a pension question? Our help is impartial and free to use. Get in touch online or over the phone on Benefits if you have children Entitlements to help with the cost of pregnancy or bringing up children. Benefits if you're sick, disabled or a carer Understand what support is available for coping with ill health.
Benefits in later life You may be entitled for help with other costs on top of your State Pension. Problems with benefits What to do if something goes wrong with your benefits. If we feel we can't offer you a competitive quote we'll transfer the flood element of your cover into the Flood Re scheme.
If your home floods, we'll deal with your claim as normal. However, we can recover the cost of the claim from the Flood Re scheme. You won't have any direct involvement with Flood Re. When we transfer the flood risk of a property into the Flood Re scheme we have to pay a premium to Flood Re.
This premium is based on the council tax band of your property. It's not the same amount that you pay your local council. This is in line with the rules of the scheme Flood Re replaces. Properties built from onwards have to meet new planning regulations which require adequate flood prevention measures to be in place. We'll assess your claim and make any payments — you won't have any direct contact with Flood Re.
If you're not happy with how your claim has been handled, follow our normal complaints procedure. The amount of money each insurer pays depends on their market share. Each insurer uses their own data to work out their insurance prices and has a different view of the flood risk for your property.
If one insurer believes the risk is low, they could offer an affordable price without using the Flood Re scheme.
Your home is part of Flood Re because of your insurer's risk assessment. If you moved to a different insurer, their view might be different, and they could offer an affordable price without using Flood Re. No, but our website contains links to the Flood Re website where you can find details on how you can reduce the risk of flood damage to your property.
The Government doesn't pay to repair flood damage to your home or contents. Sometimes the Government offers grants after a flood to help cover the cost of making changes to your home that will reduce the chances or cost of future flood damage, but this doesn't cover the cost of replacing your belongings. Each insurer sets their own excess. The Flood Re scheme aims to prevent high excesses. The rates payable in Northern Ireland have been worked out against council tax bands used elsewhere in the UK.
Next steps: Whether you've had a flood or just dampness, learn how to protect your home against mold. Where do I get flood insurance?
Your standard homeowners policy doesn't provide flood coverage It's important to note that, as a rule, homeowners and renters insurance does not cover damage from flooding. Do you need flood insurance?
These policies are similar to the NFIP policy, but generally offer higher levels of coverage. To find out whether private primary flood insurance is available in your area, contact your insurance professional. The date your home flooded If your buildings were affected The cause of the flood The depth of the flood water What precautions have been taken since for example, have anti-flood barriers or sandbags been installed.
What does specialist flood insurance cover? Flood risk insurance can cover you for most eventualities that come from flooding. This details planned improvements and previous floods and assessments, and you can show it to your insurer Install products that help keep flood water out of your home, like air-brick covers and flood boards Sign up for flood warnings and join flood action groups Help lobby for flood defence improvements in your area with your local council and through public consultations.
Why do some insurers not cover flood risk properties? Can I get cover if my home has flooded before? What can flood insurance cover? How do I work out the rebuild value of my home? Last updated: 13 October, In this guide. How to get a quote for home insurance for flood risk areas What does specialist flood insurance cover? Flood RE could help How much will I pay for flood risk insurance?
How do I make a claim on my specialist flood insurance? Related guides. What does contents insurance cover?
What home insurance do students need? Can home insurance cover subsidence? What does buildings insurance cover? What home insurance do you need? Get home insurance quotes Compare quotes to protect your home with the right cover. Find home insurance.
Explore Home insurance guides See more guides. Why compare home insurance with money. Proud to be award winning We have always aimed to provide the best possible services to bridge the gap between our users and our clients.
Do you need another type of home insurance Home insurance Boiler insurance Building insurance Contents insurance Contents insurance for tenants Flat roof insurance High net worth insurance Holiday home insurance. Holiday let insurance Home emergency cover Listed buildings insurance Musical instrument insurance Non-standard home insurance Overseas property insurance Renovation home insurance Second home insurance.
Short term unoccupied house Students contents insurance Subsidence house insurance Thatched property home insurance Underpinned home insurance Unlimited home insurance Unoccupied house insurance Home insurance guides. The date your home flooded. If your buildings were affected. The cause of the flood.
0コメント