Attempt these tricks to shield your house from storms, floods and heatwaves

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Storms, floods, heatwaves… YOUR dwelling could also be in line for a battering – so strive these tricks to shield it

  • Excessive climate occasions are more and more widespread – from flash flooding to extended warmth waves 
  • The insurer Aviva obtained 7,600 storm claims from UK households in February final 12 months alone – across the identical quantity it often will get in an entire 12 months 
  • There have been greater than 2,500 heat-related deaths in 2020. This quantity may rise to 7,000 yearly by 2050 if houses aren’t tailored, in response to the Setting Audit Committee 
  • The committee of MPs additionally predicts that common rainfall will rise by 59 per cent over this era and that summer time temperatures will usually hit 38.5C 










Excessive climate occasions are more and more widespread – from flash flooding to extended warmth waves. The insurer Aviva obtained 7,600 storm claims from UK households in February final 12 months alone – across the identical quantity it often will get in an entire 12 months. 

There have been greater than 2,500 heat-related deaths in 2020. This quantity may rise to 7,000 yearly by 2050 if houses aren’t tailored, in response to the Setting Audit Committee. 

The committee of MPs additionally predicts that common rainfall will rise by 59 per cent over this era and that summer time temperatures will usually hit 38.5C. So what can households do to futureproof their dwelling towards excessive climate circumstances? 

Getting ready for the chance of flooding

A bit planning may help minimize the chance of flooding and cut back the harm if your house is hit. Some are good apply even when your property has not been flooded earlier than. 

1) Preserve drains and gutters away from particles so water can drain simply within the occasion of heavy rainfall.

2) Retailer valuables and electrical gadgets upstairs or in excessive cabinets and retailer vital paperwork in watertight baggage. 

3) Safe outside furnishings in a locked storage or shed within the occasion of a flood alert so it will possibly’t be shifted by flood water. 

4) Draw up an evacuation plan in case the worst does occur. 

There are additionally a number of long-term measures you possibly can put in place when you consider your house is at excessive threat of flooding. 

5) Elevate the peak {of electrical} sockets to scale back the chance of flood water reaching them. 

6) Lay tiles slightly than carpet or wood floors, as they’re much less prone to be destroyed if lined in water. 

7) Use waterproof plaster on partitions to scale back the harm from flood water. 

8) Set up one-way valves on waste drains to cease backflow coming by means of bogs and sinks in a flood. These price round £150, together with set up. 

9) Take into account flood defence doorways, which will be put in place if there’s a flood warning. 

David Griffiths, 74, from Cenarth, in South Wales, has three aluminium doorways fitted on to the entrance and rear doorways of his dwelling. 

He attaches them at any time when there’s a flood warning. David and his spouse Carol received the doorways after they have been flooded three years in the past. 

The couple needed to transfer right into a caravan for nearly a 12 months whereas their home was repaired. 

‘Three out of the 5 close by houses flooded,’ says David. ‘It took endlessly to scrub up the mess and it was traumatic transferring all our furnishings and belongings into storage.’ 

David’s dwelling insurer, NFU Mutual, lined the price of the flood repairs and paid £5,000 in the direction of the £9,700 value of the flood defences. The Nationwide Flood Discussion board has an inventory of common costs for flood prevention and safety measures. 

Go to nationalfloodforum. org.uk/about-flooding/reducingyour-risk/property-protectionadvisor. 

Yow will discover out if your house is vulnerable to flooding through the use of the Authorities web site and typing in your postcode. 

Go to flood-warning-information. service.gov.uk/long-term-floodrisk/postcode.

…and deal with excessive temperatures 

10) Three-quarters of the vitality from daylight hitting a window enters a house as warmth. Vitality-efficient home windows, blinds, window movies and shutters may help preserve the warmth out. 

Even merely closing drapes or curtains in the summertime can cut back warmth acquire by a 3rd. 

11) Insulation, together with in cavity and stable partitions, and lofts, can regulate the temperature in to maintain your home cool in the summertime and heat in winter. 

A set of A-rated double-glazed PVC home windows can price round £4,250 and for loft insulation you may pay £300 on common for a semidetached home.

Discovering the perfect dwelling insurance coverage 

When you stay in an space vulnerable to flooding, dwelling insurance coverage will be costly and commonplace insurers could refuse you cowl altogether. 

Nevertheless, many insurers provide inexpensive cowl below the Flood Re scheme. 

This was launched in 2013 to assist subsidise the price of cowl for households residing on flood plains. Insurers pay right into a £180million pot to assist cowl claims. 

Houses constructed after 2009 aren’t lined by the scheme. The deadline was launched to disincentivise builders from constructing houses on flood plains. Nevertheless, since then, 70,000 houses have been inbuilt areas vulnerable to flooding. You possibly can test in case you are eligible for the scheme and which insurers are signed up at floodre.co.uk/canflood-re-help-me.

Robert Burke, head of undertaking administration and constructing consultancy for property agent Cluttons, says: ‘Housebuilders do construct in flood zones, and a few houses look fairly enticing with a countryside enchantment. Nevertheless, builders do not at all times mitigate towards the chance. 

‘Native authorities and planning groups in all probability aren’t doing sufficient to detract housebuilders from constructing in sure areas, nor do they interrogate the design of homes sufficient to make sure they are flood-resistant. However given the necessity for housing, it is not prime of the record of issues.’ 

For these struggling to get cowl, the British Insurance coverage Brokers’ Affiliation may help you discover a specialist insurance coverage dealer who will seek for probably the most inexpensive cowl. Go to biba.org.uk.

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