The Law Society’s flood risk practice note has been updated in anticipation of the introduction of Flood Re in April and the recent insurance changes to the CML handbook.

The practice note aims to help solicitors protect clients from flood risk, increasingly a concern for those owning or occupying property and those looking to buy property in flood-prone areas.

The introduction of Flood Re in April 2016 is intended to ensure homeowners whose properties are at high flood risk can obtain affordable flood insurance with cover at a set price. However, certain categories of properties will be excluded from the scheme, including many leasehold flats, small and medium-sized businesses, buy-to-let properties, and all properties built after 1 January 2009. The Flood Re regulations set out in some detail those properties that will not be covered by the Flood Re Scheme.