Can a sensor be installed inside my property?
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.
18
12, 2024
18
12, 2024
My sensor has been damaged, what do I do?
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.
18
12, 2024
If I lose power, will the device still work?
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.
18
12, 2024
Where can I place the sensor?
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.
18
12, 2024
Do I need to be present when the sensor is installed?
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.
18
12, 2024
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.
18
12, 2024
What should I do if I have a basement?
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.
18
12, 2024
Can I obtain flood insurance for two different depths to pay two different amounts?
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.
18
12, 2024
Can I change my depth/payout after it’s been selected?
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.
18
12, 2024
What trigger depth should I pick?
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.
18
12, 2024
Is there a limit to how much my payout can be?
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.
18
12, 2024
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.
18
12, 2024
I am a tenant – can I buy a FloodFlash policy for my place of business?
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.
18
12, 2024
I want to cover a rental property – can I use a FloodFlash policy?
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.
18
12, 2024
My business operates from a home office – can I have a FloodFlash policy?
Absolutely. Please purchase the FloodFlash policy as you would your main business insurance.
18
12, 2024
Is FloodFlash for homeowners, businesses or both?
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.
18
12, 2024
I operate outside of the UK – can I purchase a FloodFlash policy?
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.
18
12, 2024
I have previously been refused flood insurance – can you still help me?
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.
18
12, 2024
How do I purchase a FloodFlash policy?
FloodFlash policies are sold via insurance brokers. We are a partner broker so please feel free to fill out the Get A Quote form.
15
09, 2022
What’s not covered by commercial property insurance?
Commercial property insurance provides coverage for physical damage to commercial buildings and their contents. However, there are many things that are not covered by commercial property insurance. For example, commercial property insurance does not cover floods, earthquakes, or other natural disasters. Additionally, commercial property insurance does not cover damage caused by intentional acts, such as vandalism or theft. Moreover, commercial property insurance typically has a high deductible, so it is important to have a plan in place to cover the costs of repairs in the event of damage. By understanding what is not covered by commercial property insurance, businesses can be better prepared to protect their assets. Please note that this answer is not a definitive list and you should always check with your insurance broker all the precise conditions of your policy.
15
09, 2022
What does commercial property insurance cover?
Commercial property insurance covers a wide range of risks, including fire, theft, vandalism, and weather damage. In most cases, it will also cover the contents of the property, such as furniture, equipment, and stock. The amount of coverage provided by commercial property insurance varies depending on the policy, but it typically includes replacement cost coverage, which pays for the cost of repairing or replacing damaged property. Many policies also include business interruption insurance, which can help to cover lost income if the business is forced to close due to damage from a covered event. Commercial property insurance is an important type of coverage for any business owner, and it is wise to review your policy regularly to make sure that it meets your needs.
8
06, 2020
Do I need commercial property insurance?
If you are a small business that owns inventory, equipment and/or a building you really should have commercial property insurance. This type of insurance is there to replace or repair business property that is destroyed, damaged or stolen.
8
06, 2020
How much should I expect to pay for commercial property insurance?
The cost of commercial property insurance varies depending on a variety of factors such as: Rebuild cost Postcode Previous claims Trade carried out in the property If it is located in a subsidence or flood area If the building in an area where levels of theft and malicious damage are high Is the property close to a river – this affects the price as the underwriters will take into consideration that the river might burst its banks and damage your property Commercial Property Insurance could cost as little as £142 per annum, but this is a starting point and will be affected by the various factors highlighted.
8
06, 2020
What is covered typically under a commercial property insurance policy?
The perils that are typically covered under this policy are accidental damage, malicious damage, theft, flood, escape of water, subsidence, storms and floods...and some more. Policies come standard with Property Owners Liability at £2,000,000 but can be increased to £5,000,000. There are also add-ons that you may require depending on the property use. For example, a landlord's contents, employers liability, terrorism, and legal expenses. It is of the utmost importance to get the commercial property insured for its correct value. This means you will need to employ a surveyor.
