Property flood resilience grant

Property Flood Resilience Recovery Support Scheme 2020

Property owners in Herefordshire affected by flooding from storms Ciara and Dennis in February 2020 could be eligible for further financial help to protect their homes and businesses, due to government funding. The Property Flood Resilience Recovery Support Scheme 2020 provides up to £5,000 (inclusive of VAT) per eligible property to help make them more resilient to future floods.

Deadlines

Some of the deadlines for this scheme have been extended. Application forms must be submitted to us by 14 January 2022. If your application arrives after this date it may not be considered. The approved resistance and/or recoverability measures should be purchased and installed, and all grant funds claimed (in accordance with the council's defined processes) no later than 1 April 2022.

A Step by step guide on how to apply for this grant has been produced, a shortened version of which is as follows:

  • Obtain three quotes for the items recommended and/or chosen in conjunction with your surveyor
  • Submit application
  • Panel assesses and makes a decision and an offer (if successful) is sent outlining the offer and the conditions of offer
  • The work is commissioned/completed and paid for (by you) and
  • You submit a claim with relevant invoices/evidence to us and we reimburse

Property Flood Resilience (PFR)

PFR refers to any measures that can be applied to a building to make you and your property less vulnerable to the physical impacts of flooding. The updated 2020 Property Flood Resilience emagazine, written by Mary Dhonau, contains real life stories of how people have adapted their homes and businesses to make them resilient to future floods.

  • PFR resistance is the use of materials and approaches to safely keep water out of a property (some examples of resistance measures include: flood doors and windows; flood barriers; airbrick covers; self-closing airbricks; flood walls; water resistant mortar and render; anti-back flow valves for drains, sinks or showers; toilet bungs); and
  • PFR recoverability is the use of materials, products and construction methods that mean a building can be quickly used again brought into use after flooding. It means managing the level and consequences of damage, if water enters (some examples of recoverability measures include: raised electric sockets and utility meters; solid concrete flooring or tiling; lime plaster and paint instead of gypsum and non-porous paint; waterproof coating to walls and floor; waterproof kitchen fittings).

PFR brings together a range of measures that help people become more resilient to the impacts of flooding and reduce the length of time needed for recovery. While it is not always possible to completely keep out floodwater, greater individual flood resilience should reduce the cost of managing future incidents because this approach will reduce the time that you are out of your property.

Flood products

The National Flood Forum website has a Property Protection Advisor tool which can calculate indicative costs for property protection for types of property. The indicative prices were generated through a Defra funded research project (FD2682) published in 2016.

Defra state that flood products should meet recognised UK or equivalent standards, acknowledging that there is only one recognised standard for flood products in the UK, BS 85118:2019 which replaced PAS 1188:2014. If people wish to use products that have not been tested to these recognised standards, they should satisfy themselves that the items they are purchasing contain adequate guarantees/warranties. The following potential companies for the survey, supply and installation of property flood resilience measures are based on the Environment Agency's National Property Flood Resilience Framework 2018-2022 and the council takes no responsibility for their competency. The contract will be between you and the company:

You can find a list of other companies who can supply and install PFR measures in the Blue Pages.

Insurance

Home insurance policies generally put properties back to the state they were in before flooding. Therefore, if you have previously adapted your property, you should be able to secure repairs to any sacrificial or recoverable elements from your home insurer. This grant must not be used for costs that should be covered by insurance or product guarantees (for example repair of previously installed resilience measures or the costs of drying out properties). It cannot be used to cover your insurance excess. Defra have produced an example of how the recovery process is managed from an insurance company perspective. See more property resilience advice on the Flood Guidance website.

Flood Re is a joint initiative between the government and insurers. Its aim is to make the flood cover part of household insurance policies more affordable. You can read about How Flood Re works. It is important that people at high flood-risk in Herefordshire shop around for the best insurance policy. For more information visit the Flood Re website.

Flooding resources

The Flood Guidance website incorporates guidance and advice from sources including insurers, government and other industry sectors. The Flood Hub has been designed to be a one stop shop for flood information and resources to support householders, businesses and communities across the North West in becoming more flood resilient. The Six Steps to Flood Resilience published by Manchester Metropolitan University's 'Smartest Project', provides a step-by-step guide to the purchase, installation and use of property-level technologies.