Question to the Department for Environment, Food and Rural Affairs:

To ask the Secretary of State for Environment, Food and Rural Affairs, if he will consider requiring insurers participating in the Flood Re scheme to include surface water flooding coverage as standard.

The Flood Reinsurance (Scheme Funding and Administration) Regulations 2015 define a “flood” as “water, from any source external to a building, which enters a building…at or below ground level, or above ground level, provided that part of the body of such water is at ground level; and does so with a volume, weight or force which is substantial and abnormal". Therefore, under this definition, surface water flooding is included as standard within the Flood Re scheme’s offer.

Insurance companies can choose to cede the flood risk element of an eligible household policy to Flood Re if the Schemes premium for that is lower than they can otherwise offer. Flood Re does not have any involvement in or influence over individual insurers’ decisions to cede policies.