Exploring the experience of insured UK homeowners in flood disasters

The frequency of flooding and the number of properties at risk of flooding in the UK are forecast to increase. Costs associated with flooding are usually significant and include for the provision of adequate flood defences, emergency services as well as for the repair of flood-damaged property. Although floods are known for their devastating effects often manifested in visible physical damage to property, the ‘human side’ of the impact of floods is often overlooked. At present there is a dearth of research with regards to the experience of homeowners following flood damage to their property. Findings of exploratory in-depth interviews with homeowners who have recently experienced a flood event to their insured property are presented and classified into five dimensions, namely: economic aspects, emotional aspects, service-related aspects, social aspects and physical characteristics. It is argued that a greater understanding of the ‘human side’ of flood disasters would be beneficial to all stakeholders involved in the damage management supply chain and should lead to improved services for insured flood victims thereby minimising the impact of flooding events on households.