After flooding, one of the first questions property owners ask is whether insurance will cover the cost of flood damage cleaning. In many cases, flood damage cleaning is covered, but the level of cover depends on the cause of flooding and the specific policy terms.
This guide explains how insurance typically applies to flood damage cleaning in the UK and what property owners should expect.
Is Flood Damage Cleaning Usually Covered by Insurance?
Often, yes, but it depends on the source of the flooding and the policy.
Flood damage cleaning may be covered under:
- buildings insurance
- contents insurance
Coverage usually applies when flooding is sudden and accidental.
What Types of Flood Damage Are Commonly Covered?
Insurance may cover cleaning caused by:
- burst pipes or plumbing failures
- appliance leaks
- storm-related water ingress
- accidental internal flooding
Cover varies between insurers and policies.
What Flood Damage Is Not Always Covered?
Insurance may not cover:
- gradual leaks
- poor maintenance
- some types of external flooding (depending on policy)
- flooding excluded under policy terms
Always check the wording of the policy carefully.
Buildings Insurance vs Contents Insurance
Buildings Insurance
Typically covers:
- drying and cleaning of floors, walls, and ceilings
- fixed fixtures and fittings
- structural elements affected by water
Contents Insurance
Typically covers:
- cleaning or replacement of personal belongings
- furniture and soft furnishings
- household items damaged by flooding
Some items may be cleaned rather than replaced.
Who Arranges Flood Damage Cleaning?
Depending on the policy:
- insurers may appoint approved contractors
- a loss adjuster may assess damage
- policyholders may arrange cleaning with approval
Starting work without approval can sometimes affect claims.
What Is a Loss Adjuster?
A loss adjuster:
- assesses flood damage
- confirms what is covered
- approves cleaning and drying work
They act on behalf of the insurer and may visit the property before cleaning begins.
Should Cleaning Start Before Insurance Approval?
In urgent cases:
- emergency water removal or drying may be authorised
- steps may be taken to prevent further damage
For non-urgent situations, it is usually best to notify insurers first.
What Documentation Is Usually Required?
Insurers often request:
- photos or videos of flood damage
- moisture readings
- cleaning reports or invoices
- inventories of damaged belongings
Keeping records helps claims progress smoothly.
Can Insurance Refuse Flood Damage Cleaning Costs?
Insurance may refuse costs if:
- flooding is excluded under the policy
- policy conditions are breached
- damage is linked to long-term issues
Understanding policy limits helps avoid disputes.
Related Guides
- Flood Damage Cleaning in the UK: What It Involves, Common Causes, and What to Do Next
- How Much Does Flood Damage Cleaning Cost in the UK?
- Who Pays for Flood Damage Cleaning?
- How Long Does Flood Damage Cleaning Take?
Final Thoughts
Insurance often covers flood damage cleaning, but cover depends on the cause of flooding and policy terms. Early communication with insurers and proper documentation help avoid delays and disputes.