You might not be covered by your home insurance if your home hasn't been kept in a good state of repair.
This is because home insurance doesn't cover wear and tear - that is, the effects of gradual deterioration on the building or the contents of your home. For example, this would include the damaging effects of sunlight on a piece of furniture like a sofa.
Flooding is one of the most traumatic events that a homeowner can suffer. We know how stressful it can be if your home floods, so flooding is covered as standard in your HSBC Home Insurance policy. This means that damaged caused to your property and belongings, as a result of heavy rainfall, or rivers bursting their banks will be covered, and if your home becomes inhabitable that you have to move out of your home we will help with the cost of alternative accommodation.
Most belongings can be replaced or restored. Although it may take a while before life gets back to normal, the important thing is that it will eventually become less traumatic.
The Environment Agency has some advice for cleaning up your home following flooding.
The following professional bodies specialise in flood advice and guidance and can put you in touch with experts you may need such as property surveyors.
The Environment Agency
British Damage Management Association (BDMA)
The National Flood Forum
The Flood Protection Association
Please ensure you read the key information about HSBC Home Insurance and check the full eligibility requirements before you apply.