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Floods: Insurance

Question for Department for Environment, Food and Rural Affairs

UIN 21657, tabled on 8 January 2016

To ask the Secretary of State for Environment, Food and Rural Affairs, whether payments made under the Flood Re insurance scheme are subject to any provisions to ensure that homes are (a) rebuilt or repaired to meet standards for improved flood resistance and resilience and (b) not rebuilt on flood plains; and if she will make a statement.

Answered on

18 January 2016

There is no such duty in relation to payments made by Flood Re. However, Flood Re will consider plans to incentivise the take up of resilience measures through its published transition plan and the insurance industry have committed to discuss options for resilient or resistant repairs as part of the repair process in response to the recent flooding.

The Flood Re Scheme is only available to properties built before 2009. This cut-off date recognises that new housing development should be located to avoid flood risk, or where development in a flood risk area is necessary, it should be designed to be safe, appropriately resilient to flooding and not increase flood risk elsewhere, in line with the national planning policies in place.