Commercial flood cover that means business
Rapid payout insurance is changing the way landlords and businesses recover from flooding.
Discover how FloodFlash can help regardless of your flood history.
“It’ll be the best thing you’ve done in 5 years”
In February Martyn’s business flooded after Storm Ciara. FloodFlash paid their claim the next day. No haggling, no waiting, just money in the bank. Find out how real FloodFlash customers rate rapid-payout flood cover in our testimonial films.
How it works
How FloodFlash is different
Our type of parametric insurance is different to traditional indemnity cover and it comes with some big advantages. Check out the table to the right to see how we stack up against traditional insurance.
|Available to landlords & businesses|
|A-rated Lloyd's capacity|
|State of the art sensor|
|Pick your own premium|
|Spend the payout how you want|
|No loss adjustment|
|Quote for any property|
Explore rapid-payout cover
FloodFlash isn’t like traditional commercial flood insurance. It is faster, smarter and more transparent. Select the tabs below to explore behind your policy.
Your smart sensor explained
A FloodFlash sensor comes with each policy. It measures flood depth at your property so that we can start working on your claim as soon as your policy triggers.
SmartEach sensor is equipped with high-accuracy, ultrasonic depth measurement technology - a bit like the parking sensors on a car. It also has mobile connectivity to send up-to-date flood data to FloodFlash HQ.
StrongThe sensor is built to last. It features a battery that lasts up to 12 years, tamper proofing and a memory chip to store data for when networks fail. It can weather almost any storm that comes your way.
SecureThe sensor is tamper and fraud proof. It has been tested under storm conditions so it’s up to any challenge. Plus the simple installation means that we can organise no-fuss replacements if needed.
How installation works
Once you’ve taken out a FloodFlash policy, the next step is to get the sensor installed on the outside of your property. It happens in three simple steps.
Choose sensor locationThis happens at the quote stage. The property footprint you select for your cover (available on the statement of fact document we send to you) dictates where you have selected for your sensor. Need to change it? No problem, just request a new quote.
Engineer visit to installOnce you’ve confirmed the quote and purchased the cover, we send an engineer to your property. They bring the sensor and tools, you just need to make sure the area you want the sensor is cleared beforehand.
Sensor health checkOnce installed, the engineer initiates the sensor and it begins sending readings to FloodFlash HQ. We check these readings to make sure everything is working. After that the sensor is vigillant, ready to report the first sign of flooding and start a claim.
How claims works
FloodFlash claims don’t have the paperwork and waiting associated with most insurance. We aim to pay the majority of claims within 48 hours - our fastest ever took just 9 hours and 44 minutes.
Flooding triggers the sensorWhen your sensor detects a flood at your selected trigger depth, it sends the data to us via wireless networks
We verify the dataWe carry out a few checks on the sensor data and other local sources to make sure everything is correct and there has been a flood.
We pay outOnce the checks have been passed, we ask for your businesses bank account details and send the money.
A FloodFlash sensor measures flood depth at your property and tells us when your policy triggers.
- Mobile connectivity to send data
- 12 year battery
- storm and fraud proof
When your sensor detects flooding at your chosen depth, we start the claim. You don’t need to submit any forms.
- Average payment time 48 hours
- No forms to fill in
- Post claim support available from FloodFlash approved partners
Authorised and regulated by the FCA
FloodFlash Limited is authorised and regulated by the Financial Conduct Authority. FloodFlash policies are underwritten by Munich Re Innovation Syndicate.
Pay claims in full within days of a flood
No long documents or negotiations come payout time
Control every part of your policy to suit your business