This is a
one-off scheme to cover needs arising
from the flooding of winter 2013-14. Alongside
this announcement the Government
is continuing to work with
the insurance industry to consider how resilient repair could be funded and targeted
in the future in the context
of
developing proposals for Flood Re, the
proposed solution for affordable flood insurance for domestic properties,
in order to ensure that high-risk
households are supported to prepare for severe
weather and flooding
in the future.
The
grants go live on 1st April 2014
The aim is that the application process should be simple. In the first
instance, people should contact their local authority (usually the District
Council) who will operate the scheme locally providing advice on how they will
take it forward.
The grant is intended to cover the additional cost of making a
property more resilient to flooding (that is, the amount above the cost of
standard repairs that an insurance company will pay for) as it is reinstated.
It is not to cover any losses by the householder, it is not compensation for
being flooded nor is to cover the ‘excess’ element of an insurance policy. Furthermore,
the grant will not cover repairs to annexes, outhouses, garages or other such
buildings.
The application form will have a list of suggested measures. People may find it useful to consult their
insurer/loss adjuster as they start the repair process to see what type of
additional work could be combined with the standard repairs that the insurer is
funding.
If this is not possible, the Property Protection Adviser or the National
Flood Forum will give an indication of the type and costs or measures people could
install and they should use this when they submit their application to the
local authority. For more advice, the ‘Homeowners
Guide to Flood Resilience’, developed by the Know Your Flood
Risk Campaign, will give you a full list of the
range of products available coupled with useful case studies. It is well worth
visiting the Flood Protection
Association website which contains a list of approved members who supply and fit
flood protection products.
For terraced property and in other situations where it is beneficial to
do so, people may collaborate in how they use individual grants (consulting
their Local Authority first) to protect their properties.
If people wish to have an independent survey prior to starting work to
see what is necessary, or have the completed work validated for their insurer
through a Flood Risk Report, people are advised
to talk to the Local Authority before making any commitments.
Mary Dhonau, OBE
Chief Executive, Know Your
Flood Risk campaign
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