• Build Back Better enables householders to install property flood resilience measures up to the value of £10,000 when repairing their properties after a flood.

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Insurance providers currently live with Build Back Better

Future Build Back Better insurance providers

Covéa Insurance Private Clients

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Esure

Does my policy include Build Back Better?

If you want your home insurance policy to include BBB speak to your broker or insurer before committing to purchase your policy as each insurance providers offering may differ. The sections above detail which insurers are currently offering BBB and which are committed to offering it in the future but are yet to complete the necessary steps to be able to do so.

Build Back Better is designed to reduce the cost and impact of future floods by including property resilience measures as part of flood repairs.

The devastating impact of flooding on a home can take weeks or even months to put right, meaning families often endure the emotional distress a flood brings long after the water level has returned to normal. Repairing homes to the same state they were before leaves them wide open for the next flood – this not only has huge financial costs to householders and insurers, but also has a unique burden on the mental health and wellbeing of families who are affected.

Build Back Better offers householders the chance to install property flood resilience measures up to the value of £10,000 when repairing their properties after a flood. This way the next time the area floods their home will be better prepared to keep as much of the water out as possible.  Measures can also be installed so that when water does enter it is easier, quicker and safer for families to clean up and move back in – often in a number of days rather than many months.

BBB FAQs

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Your stories

Roy from Worksop in Nottinghamshire

It was terrible, we were flooded in 2006 and then we got flooded again in August 2022. When it floods no one can get to the house because the water comes up to the bottom of the living room bay window. After the 2006 floods we had the house redecorated by the insurer but there was no help with resilience measures and they didn’t do anything to stop the water coming in.

Following the flood in August 2022 we had pumps, barriers, flood doors, automatic air bricks, brickwork repointed, and non-return valves fitted through our insurer using the Build Back Better scheme.

Our insurer did most of the running around and the workmen who carried out the work were brilliant, they worked very well together. They dried the house out, redecorated it, repaired some of the gas pipes, fitted new carpets and then fitted the barriers and other things. We stayed in our home while the work was carried out but were given the option to stay in alternative accommodation. Our insurer has been brilliant.

We decided to have the resistance measures installed because we don’t think it spoils the look of the house at all and whatever the experts thought was best for us to have we had done because we can’t keep going through the flooding.

If flood measures are going to help stop the flooding we would recommend others take up this offer to Build Back Better every time.

We have had a few close calls and yes you feel better prepared having the flood measures in place. If I looked at the field and noticed the water was coming towards the house I would put the barriers up straight away and it gives peace of mind you’ve got something that can help you.

  • Beverly and Sandra in Oxfordshire

    Sandra has been flooded a number of times, most recently in 2024 and 2025. After the flood in 2024 her insurance provider made her aware of Build Back Better and what it can offer. Through the initiative she installed flood doors front and back, automatic air bricks and non-return valves on her drainage. These measures successfully protected her and her home in 2025 when the area flooded again and now give both Sandra and her daughter Beverly peace of mind when the weather turns wet.

     

  • Sandra from Ballater in Aberdeenshire

    Sandra was flooded in December 2015. Following this, she was in temporary accommodation for 17 months whilst her home was renovated. The experience of the flood and being out of her home for so long, brought its own stress and upset. As part of the post- flooding renovations, Sandra had a number of property resilience measures installed including concrete floors to replace the original timber ones; waterproof membrane on walls and she made use of the work to install close cell insulation on her walls. She has also invested in flood resistance measures, including airbrick covers and flood barriers for all the doors – these give her great reassurance that should flooding happen again she would have time to prepare and move valuables before any water makes it into her home.

     

  • Tim and June from Yalding in Kent

    Tim and June bought their home with some property flood resilience measures already in place, however in December 2013 the flood skirt protecting their home was overtopped. Since then they have further adapted their home to reduce the impacts of future floods – including reconfiguring the layout of their living and sleeping areas by adding an extra storey. These changes have significantly reduced the trauma and disruption that flooding causes to their family’s life.

  • Paul from Bewdley in Worcestershire

    Paul and his family were in temporary accommodation for 15 months following their first flood. The stress of the flood, as well as living in a two bedroom flat with his wife and four teenage children, brought its own challenges. Since then, they’ve installed a number of property flood resilience measures in their home, including a flood door, extra pumps, raised sockets, hardwood skirting boards and porcelain tiles. The family were so well prepared for the next flood in February 2022 that they didn’t need to move out at all. They had such little water in their home they were dry and watching TV in the lounge 48 hours later thanks to the property flood resilience measures they had in place.

  • Gordon from Ballater in Aberdeenshire

    Gordon and his wife were flooded on Hogmanay in 2015. They came home to find their Christmas tree knocked over and mud throughout their home, covering their carpets and up their walls. Months of drying out and renovations followed with concrete floors reinstated and non-return valves installed. Since then, they’ve invested in a number of property resilience measures including hydrosacks, air brick covers and flood barriers for their doors. They now live with the reassurance and peace of mind that if flooding were to happen again, the combination of concrete floors and barriers mean that their home is better protected.

Build Back Better awards:

  • British Insurance Awards ESG: Sustainability Initiative of the Year 2022
  • Flood Expo Excellence in Innovation Award 2022
  • Claims and Fraud AwardsESG: The Sustainable Claims Initiative of the Year Award 2022

In the News

Flood Re launches Academy as part of market education drive 

Flood Re has launched a dedicated, online, e-learning platform providing free training on the Flood Re Scheme and the Build Back Better initiative. The move is part of Flood Re’s strategic focus on spreading awareness and understanding of the Scheme and how

Posted on 4th Apr, 2025

Brokers embrace Build Back Better and Property Flood Resilience

Understanding Property Flood Resilience (PFR) and Build Back Better are high on broker’s agendas according to feedback from the almost 800 brokers attending BIBA’s recent Tour of the Regions this autumn.  Brokers in attendance also expressed interest in the potential benefits that the

Posted on 13th Dec, 2024

Prestige Underwriting first MGA to sign up to property resilience initiative

Read the Insurance Times article here.

Prestige Underwriting signs up for Build Back Better scheme

Read the Insurance Business article here.

Prestige Underwriting first MGA to sign up to Flood Re’s Build Back Better scheme

Prestige Underwriting has signed up to Flood Re’s Build Back Better scheme, making it the first managing general agent to be able to offer its customers access to reimbursement costs of up to £10,000, over and above work to repair damage and

Posted on 3rd May, 2023

Flood Re launches awareness campaign

Read the Insurance Today article here.

Flood Re launches campaign to promote flood prevention measures

Read the Insurance Business article here.

Axa UK joins Build Back Better scheme

Read the Insurance Today article here.

Axa UK joins Flood Re property resilience scheme

Read The Insurer article here.

AXA UK commits to Flood Re’s Build Back Better scheme

Read the Reinsurance News article here.

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References, reports and further reading links:

Intergovernmental Panel on Climate Change (IPCC) report

Climate Change 2022: Mitigation of Climate Change

World Weather Attribution report

RE:TV His Royal Highness The Prince Of Wales – inspiring innovations and ideas that point the way towards a sustainable future

Environment Agency – living better with a changing climate

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