Flooding: A destructive force

This article first appeared in Care Markets 

Over recent years, extreme weather events in the UK have become increasingly familiar, with their frequency and intensity rising, particularly during autumn and winter. Storms, now regularly named, are occurring more often and with greater destructive force. Regardless of the season, however, one regular remains: the ever-present risk of flooding. 

The Seasons 

Traditionally, winter has been the season most associated with severe flooding, often due to colder temperatures and increased storms. For example, Storm Babet in October 2023 brought record-breaking rainfall, leading to widespread flooding, seven fatalities, and over 10,000 evacuations. In some areas, two months' worth of rain fell in just 48 hours. This event underscores the trend of rising precipitation, though its distribution is becoming more erratic. 2023 was the UK’s seventh wettest year since records began in 1836, with rainfall 13% above the 1991–2020 average. Notably, March, July, October, and December of 2023 ranked among the ten wettest months on record. 

Spring presents its own flood risks, particularly from snowmelt in higher altitudes or from heavy seasonal rains. 

In summer, flash flooding is becoming increasingly common. Rising temperatures have made the past decade (2014–2023) the UK’s hottest on record, with six of the ten warmest years occurring in this period. Prolonged dry spells during heatwaves harden the ground, increasing the likelihood of flash floods when heavy rains follow. 

These shifting weather patterns highlight the growing importance of preparedness. Developing a robust business flood plan is now more essential than ever. 

The impact of flooding 

The Environment Agency reported that temporary flood defences protected over 40,000 properties from the damage caused in 2022 by Storms Dudley, Eunice, and Franklin.  The Association of British Insurers (ABI) reported that these storms led to approximately 177,000 insurance claims for damaged homes, businesses, and vehicles, with total payouts estimated at £497 million.  

While specific data on large insurance flood claims affecting UK care homes is limited, care homes are susceptible to various insurance claims, including those resulting from flood damage.  

The increasing frequency of severe weather events has led to a surge in insurance claims across various sectors. For instance, in the second quarter of 2024, UK insurers faced a record £1.4 billion in property claims, primarily due to adverse weather conditions.  

This trend has prompted insurers to reassess their coverage strategies, especially for properties in high-risk flood zones, leading to higher premiums and, in some cases, reduced coverage. 

Are you prepared? 

As part of your flood preparedness plan, a critical step is identifying where to source sandbags and other temporary defences. For long-term protection, consider investing in non-return valves for drains, airbrick covers, waste pipes and barriers. 

There are longer-term risks such as ground saturation, which can lead to subsidence and landslips, particularly where trees or shrubs have been recently removed, as their root systems help stabilise the soil. Hard-standing surfaces can further contribute to water build-up, making proper drainage essential. 

To minimise risks, ensure your property is well-maintained: 

• Clear leaves from gutters and drains regularly. 

• Inspect drainage systems for blockages or corrosion. 

• Check that walls and structures are in good repair. 

Be aware that insurance policies typically do not cover damage caused by poor maintenance so proactive upkeep is essential. 

How to Prepare for Flooding 

Investing time in creating a flood plan is key. The Government’s advice for businesses includes:  

• Register for flood warnings through the Government’s online service. 

• Source sandbags and temporary barriers to protect your premises. 

• Seal entry points: Cover vents, doors, windows, and airbricks to reduce water ingress. 

• Plug sinks and drains: Weigh down plugs with heavy objects like sandbags to prevent backflow. 

• Protect key equipment and records: Store data, resident, and staff information securely and above potential flood levels. 

• Raise electrical points: If feasible, install power sockets and phone cables at a higher level. 

• Move valuables off ground floors to minimise potential damage. 

• Prepare an emergency flood kit: Include essentials like a fully charged phone, torch, batteries, medication, water, food, waterproof clothing, and boots. Store this kit in a safe, dry place. 

• Plan evacuation routes: Identify the safest and fastest ways to leave your premises. 

• Create an emergency contact list: Include numbers for your local council, gas and electricity suppliers, fire services, and your insurance provider. 

What to Avoid During a Flood 

• Do not walk, swim, or drive through floodwater.  Debris carried by the current poses additional dangers. 

• Avoid touching electrical outlets or devices if water is present. 

• Wash hands thoroughly after coming into contact with floodwater, which may contain sewage. 

• Check your insurance cover is up to date and sufficient. 

Helpful advice and support 

The Government provides a comprehensive guide on what to do before, during, and after a flood, complete with checklists to help you minimise the effects of flooding on your property.