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.
Insurance providers currently live with Build Back Better
Future Build Back Better insurance providers
Covéa Insurance Private Clients
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.
Graham and his wife Shirley live in Herefordshire, with Wellington Brook running behind their home. Despite this when there is heavy rainfall water usually comes from the front, flowing from neighbouring properties, down the driveway, through and around the house, and back into the brook at the rear.
At first the water began flowing down their driveway towards the house and by 11am, floodwater had reached their front door. The house remained dry initially, but then things changed.
An unseen vulnerability
Graham and Shirley began to hear water moving beneath the floor.
Soon, water started to seep into the kitchen from under the units. Graham believes it entered through the gas meter box at the side of the house – a hidden entry point at ground level.
As quickly as it came, it was gone
By mid-afternoon, the water had receded and the driveway was clear.
Although the flooding was less severe than previous events, it still destroyed flooring throughout the home and damaged pipework. The couple were out of their home for around seven months while repairs were carried out.
Support that made a difference.
When making their insurance claim, their insurer told them they were eligible for Build Back Better.
The £10,000 contribution was used to invest in measures identified as the most effective way to reduce future flood risk.
Building resilience below the surface
Once damaged materials were removed, Build Back Better funded specialist drainage, sump pumps and a waterproof membrane beneath the flooring, topped with screed and waterproof tiles across the ground floor.
The gas meter was also raised and previous pipe entry points sealed, reducing the risk of future water ingress. With Build Back Better support, Graham and Shirley’s home is now more flood resilient – giving them greater confidence and peace of mind for the future.
Roy from Worksop in Nottinghamshire
We were flooded in 2006 and then again in August 2022. When it floods, the water comes right up to the bottom of our living room bay window and no one can get to the house. After the 2006 floods the house was redecorated, but there was no help with resilience measures to stop the water coming in again. After the 2022 flood, our insurer supported us through the Build Back Better scheme. We had pumps, barriers, flood doors, automatic air bricks, repointed brickwork and non-return valves installed. The workmen were brilliant and worked well together, drying the house, redecorating and installing the new measures. We chose to have the resistance measures because they don’t spoil the look of the house and we can’t keep going through flooding. If the water starts coming towards the house, we can put the barriers up straight away. It gives real peace of mind knowing there’s something in place that can help.
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
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British Insurance Awards ESG: Sustainability Initiative of the Year 2022
Flood Expo Excellence in Innovation Award 2022
