What if i'm uninsured?

If your home has flooded and you don’t have insurance, knowing what to do next matters. This page sets out practical recovery steps and highlights sources of support that may be available to help you through the process.

Preparing for recovery without insurance

Have a plan

Having a plan in place is an important first step. If you are responsible for managing the recovery yourself, there are actions you can take in advance to be better prepared.

Record the damage

• Take clear photographs of damage to your property and possessions.

• Keep notes of what has been affected, even if items are beyond repair.

• Keep copies of any receipts or invoices linked to clean‑up and repairs.

Supplies

Local supplies of essential items can run out quickly after a flood. These may include:

• Disinfectants and cleaning products

• Brushes, mops, and protective clothing

• Dehumidifiers (also known as driers), fans, generators, and pumps

• Builders, electricians, and other tradespeople

Make a list of what you may need and where it can be sourced. You may need to look beyond your local area and arrange for someone to collect items if you are unable to travel.

Clear standing water promptly

Once floodwater has subsided, it is vital to clear standing water as quickly as possible. While brick and concrete floors absorb water slowly, they can take months to dry if water is left in place—often around one inch of drying per month.

Act quickly

Taking fast action at this stage can save months of drying time later and reduce the risk of long‑term damage.

Hire equipment

Dehumidifiers and fans can be hired from most reputable equipment hire shops. Using them early can help speed up drying and reduce health issues associated with damp and mould.

Sources of support

Local authorities

Your borough, district, or county council may offer support after flooding, such as:

• Advice and signposting

• Waste collection or skips

• Access to local services or emergency assistance

  
  

Local voluntary groups

Voluntary organisations are often very active following flooding and may provide:

• Practical help

• Clean‑up support

• Welfare or emotional support

Charities and community groups

Local or national charities may offer:

• Practical assistance

• Goods or services

• Small financial grants

It is always worth checking what support is available in your area.

Here to help

Recovering from flooding can be a long and challenging process. You don't have to face it alone.

The National Flood Forum Helpline 01299 403 055 can provide independent support and guidance on:

• Flood recovery and next steps

• Dealing with insurers or being uninsured

• Accessing support from councils, charities, and other organisations

• Understanding flood resilience and future flood risk

  
  

Don’t hesitate to ask for help. Support is available.