Have a question?

You can find the answers for the most common FloodFlash questions below. For anything not covered – email getaquote@floodflash.co

I have previously been refused flood insurance - can you still help me?
Yes we can. FloodFlash policies are available across the US. We provide quotes regardless of flood zone. On occasion the flood data means we may not quote but these cases are extremely rare. There are minimum premium requirements in certain states. The best thing to do is submit a quote and one of our team will be in touch.
We are currently only providing FloodFlash cover for properties located in the US and insureds domiciled in the US. Contact us for more information as we can support certain insureds outside the US.
FloodFlash policies are for businesses. Most homeowners can get adequate coverage under NFIP. If you want to use FloodFlash to cover properties that need higher limits, or want to cover things that NFIP doesn’t like pools, HVAC equipment, vehicles and personal property like jewellery or art, speak to your agent who can work with FloodFlash to establish whether it is appropriate.

Residential properties can purchase FloodFlash if they are owned/insured under an LLC or trust. They can be covered under a personal name if there is business revenue being generated from the property e.g. rental income. Condo and other property associations can also buy FloodFlash coverage.


If you are looking to cover a large or complex risk where you expect premium to be in excess of £25,000 you may be eligible for our service for large and complex risks. To find out if we can help get in touch via our contact page.

Yes.

Yes.

How do I purchase a FloodFlash policy?

FloodFlash policies are sold via insurance agents. Ask your agent about FloodFlash, visit our homepage, or get in touch with us and we can refer you to a FloodFlash supplier.

You should pick a payout amount that makes sense for your business or property. It can be useful to discuss this with an insurance agent or surveyor. Here are some things that you might consider:

  • the cost of any previous floods at the property
  • how much it might cost to make repairs to your property in the event of a flood.
  • the cost of replacing or repairing damaged inventory, machinery, contents, etc
  • the cost of business interruption in terms of lost revenue, wages, litigation or reputational damage
  • the value of any deductibles you may have on other policies – FloodFlash can fill the gap in coverage
  • the terms and limits of any existing flood insurance you might have – you may want to use FloodFlash to increase your limits
  • your budget – picking a lower payout value can make the policy more affordable


The payout from a FloodFlash policy can be spent on whatever you need, so make sure to consider any direct or indirect costs that may be specific to your business or property.

Like the payout amount, you should select a depth that makes sense for your business. You might want to consider the height of any damageable items, such as flooring, electrical sockets, machinery, vehicles and inventory. Also consider the level of any flood protection measures like barriers and gates.

We will always charge a lower premium for policies with a higher trigger depth, so it could pay to think about what level of water will start to cause damage and/or financial cost to your business and ways to become more resilient.

Remember that we measure flood depth from ground level outside your property.

The 14-day waiting period begins when you take out a new policy. During this time we are not liable to pay any claims that arise. This is to make sure policies cannot be taken out in reaction to significant flood warnings. We also use this period to install the sensor. The waiting period doesn’t apply for renewal policies.

FloodFlash covers all naturally occurring floods, including floods caused by heavy rainfall or melting snow, sewers bursting due to rainfall, rivers bursting their banks, groundwater and storm surge along coastlines. It also covers flooding caused by dams or canals overflowing or being breached.

FloodFlash doesn’t cover flooding due to burst pipes or similar sewerage issues. It is likely that this is covered under your existing insurance, though we recommend you check with your insurance provider.

In your quote document, you can compare premiums across different depths and payout amounts to find a level that suits your budget. You may want to consider reducing your payout or increasing your trigger depths – both of which will reduce your premium. Investing in measures to increase your flood resilience, such as a flood management plan or flood defences, can help efforts to raise the trigger level. Talk to your agent for more information.

There is also a 14-day waiting period at the beginning of your policy, during which you can decide not to go ahead with the cover. Otherwise, a FloodFlash policy can be cancelled any time – however you will only receive a pro-rated refund in certain circumstances, for example if you have changed address or no longer have an insurable interest in the cost of flooding. In all other circumstances the premium is non-refundable.

All FloodFlash policies are annual and need to be renewed each year to ensure continuous coverage. We make sure to provide appropriate reminders in the lead up to your renewal date, either directly or through your insurance agent.

We use state-of-the-art flood risk modelling, and high-resolution geospatial data to calculate the risk of flooding at your property. The risk calculation influences your premium, meaning that the cost of your FloodFlash policy will always reflect the likelihood of the property flooding.

If you would like additional cover, or another trigger depth, you can add another policy at your property. Otherwise you can update your depth/payout at renewal.
Your FloodFlash policy is complementary to any existing insurance and should have no impact on any policies you currently hold. We do recommend, however, that you check this with your agent or existing insurance provider before taking out a FloodFlash policy.
There are no upper limits to a FloodFlash policy. Clients with large or complex risks are recommended to contact FloodFlash via their agent for more information on how we can help businesses that require higher limits.
Unfortunately, moving to a new location would require you to buy a new FloodFlash policy. Each policy and its premium are tailored to your specific location, so are not transferable.
FloodFlash is a Lloyd’s coverholder, with underwriting capacity provided by Munich Re Syndicate 457 and Hiscox Syndicate 33. When a policy limit of greater than $10m is required, capacity may be sourced from a panel of non-Lloyd’s insurance carriers, all of whom are rated “A” (Excellent) or better by A.M. Best.

With expertise earned over centuries, Lloyd’s is the foundation of the insurance industry and the future of it. Led by expert underwriters and brokers who cover more than 200 territories, the Lloyd’s market develops the essential, complex and critical insurance needed to underwrite human progress.

Backed by diverse global capital and excellent financial ratings, Lloyd’s works with a global network to grow the insured world – building resilience for businesses and local communities and strengthening economic growth around the world.
Who installs the sensor?
Your FloodFlash sensor will be installed by one of our trained engineers. After you purchase a FloodFlash policy, we will immediately dispatch your FloodFlash sensor and schedule one of our engineers to come and install it on the date you have chosen.
If possible, someone from your company should be present when the engineer arrives, to direct them to where you would like it to be installed, and to sign-off that the engineer has left the site in a clean and tidy state. Otherwise, we accept written and picture instructions provided there are no access issues.
The sensor must be installed at a point that is:

(a) on an outside wall of the insured premises detailed in your policy schedule,
(b) not in a drain, stairwell or other depression that takes the sensor below ground elevation,
(c) not on a wall that touches or abuts water, and
(d) your choice. Our engineers cannot advise you where to place the sensor.
The FloodFlash sensor is battery powered and uses mobile communications to send any data. This ensures that a sensor will remain fully operational during a flood event, even if you lose power or internet at your property.
We constantly monitor our network to check that your sensor is working properly. If you think that your FloodFlash sensor has been damaged, please let us know immediately by emailing support@floodflash.co or calling us on +1 888 207 1026.
No. A FloodFlash policy is designed to cover external sources of flooding and our sensors are always installed on the outside wall of a building.
We rent your FloodFlash sensor to you at an annual fee of $200 + applicable tax. It covers data processing costs along with routine maintenance requirements. Initial installation is provided at no extra charge. If you choose to move the sensor after the initial installation (either at renewal or mid-term) you will incur an additional fee of $150 + applicable tax.
No. We need trained installation engineers to set your sensor up to make sure it reports data correctly for the right building. If you move the sensor without informing us, this could invalidate your coverage. Please email support@floodflash.co if you need further details or want to request a sensor move.
If you want to change the placement of your sensor mid-term, this will incur an additional fee of $150 + applicable tax. If you want to move your sensor to a different building, you may also require a new quote. For more information, email support@floodflash.co.
Your FloodFlash policy is measured based on water depth, measured from ground level. It does not include water flowing into subterranean spaces like basements and cellars if the sensor doesn’t register flooding at your selected depth. You should carefully consider the payout you would need to cover damages to the contents of your basement in the event of a flood when setting the depth and payout amount of your FloodFlash policy.
If I get flooded, what do I need to do?
If your FloodFlash sensor detects a flood at the trigger depth you have selected, we will notify you by email to confirm that you have been affected. We then process the data from your sensor to validate and pay your claim as soon as possible. There is no need for a visit from a loss adjuster or other damage calculation, allowing you to concentrate on managing your recovery.
If a flood event occurs that you think should have triggered the sensor but you have not heard from us, notify us within 28 days of the incident either by emailing support@floodflash.co or calling +1 888 207 1026.

We will issue payments to you if we are satisfied that a valid claim would have been payable under this policy after considering the available evidence. For more information visit section 5 of your policy document.
A FloodFlash policy is intended to let you recover from a flood as quickly as possibly, and there are no restrictions on how you spend the payment. It could be used to cover immediate costs such as cleaning bills and wages, and to reduce the impact of business interruption, or to cover the costs of damage to property, contents or stock.
In most cases, there should be no tax implications. The exact nature of any tax requirements will differ, in each case, however, and may depend on how you use the payout. If there is any uncertainty, FloodFlash strongly suggests you seek independent advice from an accounting professional.
You receive the payment for any lower trigger depths that were reached. The policy will still be in place for any higher trigger depths in your policy. If a flood were to occur at those heights later, we would make an additional payment.
How can I get in touch?
Get in touch via our contact page or via the following options. For sales or agent support call +1 888 207 1026 or email getaquote@floodflash.co. Existing and potential customers should call +1 888 305 4345 or email support@floodflash.co. For general enquiries call +1 888 207 1026 or email getaquote@floodflash.co

We make every effort to provide a high-quality service to all of our customers. If you would like to make a complaint, contact us by emailing complaints@floodflash.co, or writing to:
Complaints
FloodFlash Limited
18 East Tenter Street London
E1 8DN
United Kingdom

FloodFlash will refer your complaint to the underwriters of this policy, Munich Re Syndicate 457 at Lloyd’s.

You may also contact Munich Re Syndicate 457 directly by emailing MRSL- complaints@munichre.com, or writing to:
The MRSL Complaints Team
Munich Re Syndicate Limited
1 Fen Court London
EC3M 5BN 
United Kingdom

You can also refer the matter to the Complaints team at Lloyd’s. The address of the Complaints team at Lloyd’s is:
Complaints
Lloyd’s
One Lime Street
London
EC3M 7HA
United Kingdom
Telephone: +44 (0)20 7327 5693
Fax: +44 (0)20 7327 5225
E-mail: complaints@lloyds.com Website: www.lloyds.com/complaints

Details of Lloyd’s complaints procedures for US policyholders are set out in ‘Making a complaint’, available on the Lloyd’s website and from the above address.

Have a question?

You can find the answers for the most common questions asked by our customers

How do I purchase a FloodFlash policy?
FloodFlash policies are sold via insurance brokers or via our website. Ask your broker about FloodFlash, visit our homepage, or get in touch with us directly to request a quote.

Yes we can. FloodFlash policies are available anywhere in the UK (excluding Northern Ireland). We provide quotes in 97% of cases, regardless of flood history. On occasion the flood data means we may not quote but these cases are extremely rare.

This site contains information for customers in the United Kingdom (excluding Northern Ireland) only. Customers in the US can visit https://floodflash.co/floodflash-us/ to request a quote for businesses in America. If you are interested in FloodFlash but are based in another country, we would love to hear from you. Let us know where you’re from through our contact page. We’ll be sure to let you know when FloodFlash is coming your way.

If you are looking to cover a large or complex risk where you expect premium to be in excess of £50,000 you may be eligible for our service for large and complex risks. To find out if we can help get in touch via our contact page.

FloodFlash policies are for businesses. In the UK, a scheme called Flood Re plays a great part in protecting homeowners in high-risk zones from high premiums, but nothing similar exists to help the businesses in the same areas. That’s where we come in.

Absolutely. Please purchase the FloodFlash policy as you would your main business insurance.

Commercial landlords and tenants can buy a policy for their businesses. Residential landlords and holiday letters can also buy a policy. You cannot buy a FloodFlash policy as a homeowner for your residence.

Yes you can. We recommend, however, that you ensure you have permission from the property owner to install the sensor before purchasing a FloodFlash policy.

What payout amount should I pick?

You should pick a payout amount that makes sense for your business. It can be useful to discuss this with an insurance broker or surveyor, otherwise here are some things that you might consider:

  • how much it might cost to make repairs to your property in the event of a flood
  • the cost of replacing or repairing damaged stock, machinery, contents, etc
  • the terms and limits of any existing flood insurance you might have – for example your existing insurance might have a very large excess (sometimes called a deductible) for flood damages, or the level of cover provided might be insufficient for your needs.

The payout from a FloodFlash policy can be spent on whatever you need, so make sure to consider any direct or indirect costs that may be specific to your business or property.

The maximum payout that we offer with an instant quote is up to £5,000,000 per location. If you are in a particularly high risk area, however, we may not be able to offer the full amount.

If you require additional cover, get in touch as there is a good chance we can help after referring through to our underwriters.

Like the payout amount, you should select a depth that makes sense for your business. You might want to consider the height of any damageable items, such as floors, electrical sockets and stock, and the level of any flood protection measures like barriers and gates.

We will always charge a lower premium for policies with a higher trigger depth, so it could pay to think about what level of water will start to cause damage and/or financial cost to your business and ways to become more resilient.

Remember that we measure flood depth from ground level outside your property.

Not at the moment. If you would like additional cover, or another trigger depth, you can add another policy at your property.

There is no problem in updating your depth/payout when you renew.

Yes. You can choose up to three triggers each with a different payout amount. This helps cover multiple levels of flooding in a cost-effective way. If you think you’d benefit from more trigger depths, talk to your broker or get in touch with us directly.

Your FloodFlash policy is measured based on water depth, measured from ground level. It does not include water flowing into subterranean spaces like basements and cellars. You should carefully consider the payout you would need to cover damages to the contents of your basement in the event of a flood when setting the depth and payout amount of your FloodFlash policy.

Who installs the sensor?

Your FloodFlash sensor will be installed by one of our trained engineers. After you purchase a FloodFlash policy, we will schedule one of our engineers to come and install it on the date you have chosen.

If possible, someone from your company should be present when the engineer arrives, to direct them to where you would like it to be installed, and to sign-off that the engineer has left the site in a clean and tidy state. Otherwise we accept written and picture instructions provided there are no access issues.

The sensor must be installed at a point that is:

(a) on outside wall of the insured premises detailed in your policy schedule,
(b) not in a drain, stairwell or other depression that takes the sensor below ground elevation,
(c) not on a wall that touches or abuts water, and
(d) your choice. Our engineers cannot advise you where to place the sensor.

The FloodFlash sensor is powered independently, and uses mobile communications to send any data. This ensures that a sensor will remain fully operational during a flood event, even if you lose power at your property.

We constantly monitor our network to check that your sensor is working properly. If you think that your FloodFlash sensor has been damaged, please let us know immediately by emailing support@floodflash.co or calling us on 0333 016 5466.

No. A FloodFlash policy is designed to cover external sources of flooding and our sensors are always installed on the outside wall of a building.

We rent your FloodFlash sensor to you at an annual fee of £100+VAT. It covers data processing costs along with routine maintenance requirements. Initial installation is provided at no extra charge. If you choose to move the sensor after the initial installation (either at renewal or mid-term) you will incur an additional fee of £75+VAT.

We need trained installation engineers to set your sensor up to make sure it reports data correctly for the right building. If you move the sensor without informing us we may not be able to use the data in the event of a flood which could mean that your claim isn’t paid. Please email support@floodflash.co if you need further details or want to request a sensor move.

If you want to change the placement of your sensor mid-term, this will incur an additional fee of £75+VAT. If you want to move your sensor to a different building you may also require a new quote. For more information, email support@floodflash.co.

In most cases, the answer is yes – though every local planning authority is slightly different, so we do recommend you check with the relevant one in your area if you’re concerned. Local planning authorities will often be looking at whether the sensor is a permanent fixture to decide if it counts as an alteration to a listed building; it isn’t and, in fact, it remains FloodFlash property after installation.

Are all types of floods are covered?

FloodFlash policies cover all naturally occurring floods, including floods caused by heavy rainfall or melting snow, rivers bursting their banks, groundwater and storm surge along coastlines. It even covers flooding caused by dams or canals overflowing or being breached.

FloodFlash doesn’t cover flooding due to burst pipes (sometimes called escape of water). It is likely that this is covered under your existing insurance, though we recommend you check with your insurance provider.

We use state-of-the-art risk modelling to calculate premiums that reflect the likelihood of flooding at your property. In your quote document, you can compare premiums across different depths and payment amounts to find a level that suits your budget.

If these are still too high, you may want to consider investing in measures to increase your flood resilience, such as a flood management plan or flood defences. A FloodFlash policy can work in harmony with these investments to lower your premium. If you have taken steps which will reduce the overall cost of flooding, then you can choose a lower payout. If you are protected to a greater depth, then you can raise the trigger level.

One of our first policyholders cut their premium by installing 1 metre high floodgates on their building. The gates enabled them to raise their trigger depth to over 1 metre, delivering a policy with the same coverage amount for a much lower premium.
 

The 14-day waiting period begins when you take out a new policy. During this time we are not liable to pay any claims that arise. This is to make sure policies cannot be taken out in reaction to significant flood warnings. We also use this period to install the sensor. The waiting period doesn’t apply for renewal policies.

We use state-of-the-art flood risk modelling, and high-resolution geospatial data to calculate the risk of flooding at your property. The risk calculation feeds directly into your premium, meaning that the cost of your FloodFlash policy will always reflect the likelihood that you are flooded. Locations with higher flood risk have higher premiums and vice versa.

Your FloodFlash policy is complementary to any existing insurance and should have no impact on any policies you currently hold. We do recommend, however, that you check this with your broker or existing insurance provider before taking out a FloodFlash policy.

Unfortunately, moving to a new location would require you to buy a new FloodFlash policy. Each policy and its premium are tailored to your specific location, so are not transferable.

FloodFlash is a Lloyd’s coverholder, with underwriting capacity provided by Munich Re Syndicate 457.​​

​​With expertise earned over centuries, Lloyd’s is the foundation of the insurance industry and the future of it. Led by expert underwriters and brokers who cover more than 200 territories, the Lloyd’s market develops the essential, complex and critical insurance needed to underwrite human progress.​​​​

​​Backed by diverse global capital and excellent financial ratings, Lloyd’s works with a global network to grow the insured world – building resilience for businesses and local communities and strengthening economic growth around the world.​​​​

If I get flooded, what do I need to do?

If your FloodFlash sensor detects a flood at the trigger depth you have selected, we will notify you by email to confirm that you have been affected. We then process the data from your sensor in order to validate and pay your claim as soon as possible. There is no need for a visit from a loss adjuster or other damage calculation, allowing you to concentrate on managing your recovery.

If a flood event occurs that you think should have triggered the sensor but you have not heard from us, notify us within 28 days of the incident either by emailing support@floodflash.co or calling 0333 016 5466.

We will issue the payout to you if we are satisfied that a valid claim would have been payable under this policy after considering the available evidence. For more information visit section 5 of your policy document.

A FloodFlash policy is intended to let you recover from a flood as quickly as possibly, and there are no restrictions on how you spend the payout. It could be used to cover immediate costs such as bills and wages, and to reduce the impact of business interruption, or to cover the costs of damage to property, contents or stock.

In most cases, there should only be tax implications in the event of an excess (i.e. you don’t spend all of the money in your payout). The exact nature of any tax requirements will differ, in each case, however, and may depend on how you use the payout. If there is any uncertainty, FloodFlash strongly suggests you seek independent advice from an accounting professional.

You receive the payout for any lower trigger depths that were reached. The policy will still be in place for any higher trigger depths in your policy. If a flood were to occur at those heights later on we would make an additional payout.

How often do I need to renew my policy?

All FloodFlash policies are annual and will need to be renewed each year to ensure continuous coverage. We make sure to provide appropriate reminders in the lead up to your renewal date, either directly or through your insurance broker.

We currently only provide cover for one event per annual policy. If you have a claim, you will need to renew your FloodFlash policy to restart the cover. You can do this by contacting us directly or through your insurance broker.

We provide a renewal quote either directly to you, or via your insurance broker ahead of your policy expiry date. You can renew your policy by contacting us directly or through your insurance broker.

Can I cancel my policy?

A FloodFlash policy can be cancelled any time – however you will only receive a refund in certain circumstances, for example if you have changed address or no longer have an insurable interest in the cost of flooding. This will be calculated pro-rata based on the days you have benefited from the insurance cover.

There is a 14-day cooling-off period at the beginning of your policy, during which you can decide not to go ahead with the cover. In all other circumstances the premium is non-refundable and you will need to pay the full premium for your policy.

We make every effort to provide a high-quality service to all of our customers. If you do have a complaint, please contact us by emailing complaints@floodflash.co, by calling us on 0333 016 5466 or through our contact page. All complaints that we receive will be recorded.

FloodFlash will refer your complaint to the underwriters of this policy, Munich Re Innovation Syndicate 1840 at Lloyd’s. You may also contact Munich Re Innovation Syndicate 1840 directly, by calling +44 (0)20 7886 3900, emailing MRSL-complaints@munichre.com, or writing to: The MRSL Complaints Team Munich Re Syndicate Limited, 1 Fen Court, London, EC3M 5BN.

If you remain dissatisfied, it may be possible in certain circumstances for you to refer the matter to the Complaints team at Lloyd’s. The address of the Complaints team at Lloyd’s is: Complaints, Lloyd’s, One Lime Street, London, EC3M 7HA. Telephone: 020 7327 5693. Fax: 020 7327 5225. E-mail: complaints@lloyds.com. Website: www.lloyds.com/complaints.

Details of Lloyd’s complaints procedures are set out in a leaflet ‘Your Complaint – How We Can Help’ available at www.lloyds.com/complaints.

If you remain dissatisfied with your complaint handling or if the investigation has not been completed after 8 weeks you can escalate the complaint to the Financial Ombudsman Service. For more information, visit www.financial-ombudsman.org.uk.

Full details of how you can report a complaint can be found in your Policy Documentation.

What accessibility support do you offer customers?

We aim to support any business that could benefit from parametric insurance. This begins with handling the information you provide with care and according to guidelines. We try to accommodate accessibility requirements upon request. Enter a message on our contact page, email support@floodflash.co or call us on 0333 016 5466 and we’ll do our best to help.

We are constantly updating our FAQ page. If there is anything we haven’t covered, please let us know through our contact page, by emailing support@floodflash.co or calling us on 0333 016 5466.