What follows is a general guide and will not apply to everyone. Houses differ, insurers
differ, floods differ. You should investigate your own situation and take expert
advice as necessary.
Flood resistance means keeping floodwater out of your house; for example by door
barriers and air-brick covers. However, where water comes up through the floor, as
is quite common, this is not enough. Flood resilience means having your house arranged
so that if water does get in damage is kept to a minimum. For example - stone or
tile floors; electrical sockets and wiring well above the floor; waterproof plaster
on the bottom part of the walls; washing machine on a raised platform. The time to
do this sort of work is when repairing after a flood.
Insurers will usually undertake to "replace like with like". This does not mean you
have to put things back as they were before. What it does mean is that if, say, the
damage is assessed at £10,000 the insurers will give you that much to do repairs.
You can then spend that as you decide. If resilient repairs cost more you have to
find the extra yourself.
The more resilient a property is the less the cost of repairs after flooding. Equally
importantly, the clearing up is reduced and one is much more quickly back to normal
- mopping a stone floor is better and quicker than throwing out ruined carpets and
drying out or replacing wooden floors!