Flood & non-standard construction insurance in Clitheroe
- Recurring
The short answer
Flood-risk, thatch, timber-frame, listed
- Price from
- £400.00
- Time on site
- 20 to 40 minutes (online or phone consultation)
What you get
You get a bespoke home insurance policy tailored to the specific risks of your property, ensuring comprehensive cover that standard insurers often cannot provide.
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When do you need a Flood & non-standard construction insurance?
You should look for this cover if your home is unique or in a wet area.
- Check if you live near water or in a known flood zone.
- Use it for homes with thatch, timber or steel frames.
- Buy it if you have a prefabricated concrete house.
- Get cover if you are buying a listed property.
- Secure it to satisfy your mortgage lender before completion.
What happens on the day
Getting this cover is usually done over the phone or online with a specialist.
- Share details about your roof and wall materials.
- Tell the broker about any nearby rivers or streams.
- Mention flood defences like gates or non-return valves.
- Ask if the FloodRe scheme can help lower costs.
- Compare quotes from underwriters who understand unique buildings.
- Receive your documents digitally once you have paid.
How to prepare
- Find your property's build year
- Check your roof material type
- List any flood protection tools
- Look up your flood risk level
- Measure any flat roof areas
- Keep your mortgage offer handy
- Note previous home insurance claims
How to improve your result
- Install removable flood barriers
- Fit non-return valves to drains
- Use water-resistant wall plaster
- Move electrical sockets higher up
- Join a local flood group
- Maintain thatched roofs regularly
Why it is useful day to day
Having the right policy gives you peace of mind and financial safety.
- Protect your home against expensive water damage repairs.
- Ensure your mortgage remains valid and in good standing.
- Access expert repair teams who know old building methods.
- Feel secure knowing your unique roof is fully covered.
- Save money by using government-backed schemes for high-risk areas.
Why we ask these questions
Brokers will ask technical questions to understand how your home was built.
- They need to know the exact percentage of flat roofing.
- They will ask about the age of your property.
- Expect questions about your home's previous flood history.
- Confirm if your home is a listed heritage site.
- State if you have any specialist fire safety measures.
Frequently asked questions
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