Covering the costs of flood damage

There can be costs to replace damaged belongings and repair your home after a flood. Your insurer and the Guaranteed Standards Scheme could help you.

 

Help from the Guaranteed Standards Scheme

The Guaranteed Standards Scheme makes sure that all customers of water and sewerage companies are entitled to guaranteed minimum standards of service, as set out by the Government. The scheme can help you when a flood has been caused by the public sewerage network.

How much you can get from the Guaranteed Standards Scheme

If there’s been a flood inside your home caused by the public sewerage system, you’re entitled to a refund of the sewerage charge you’ve paid for the year. 

This covers all areas of the home, including flooding of cellars and the spaces beneath suspended floors.

On average, our annual sewerage charge is £140, but we’ll pay you £150 as a minimum.

If you’ve suffered flooding in your garden or driveway caused by a problem with the public sewerage system, you could be entitled to a payment of 50% of your sewerage charge. 

On average, half our annual sewerage charge amounts to £70, but we’ll pay you £75 as a minimum.

This also applies to sheds or buildings on your property that aren’t lived in.  

You can only receive one payment from the Guaranteed Standards Scheme for each flooding incident you experience.

When that happens, we’ll give you the higher payment.

You won’t be entitled to a Guaranteed Standards Scheme payment if the flood was caused by: