Flooding: What are my rights if my home, car or work is affected?- QHN

The storms that have swept the UK in recent weeks have brought widespread flooding and left homeowners, motorists and businesses counting the costs.

Many affected will be contacting their insurance companies for advice. But cover and compensation can vary significantly depending on the level of impact and small print in policies, although other automatic protection may be in place.

The Association of British Insurers (ABI) says most home buildings, contents and commercial business policies cover storm damage.

Commercial policies cover damage to premises and stock. Business interruption cover, which may be included or purchased separately as part of an insurance agreement, will cover additional trading costs.

Comprehensive motor insurance covers the cost of repairing or replacing vehicles damaged by storms.

The ABI has a six-step recovery guide on what to do if your home or business is flooded:

The storms that have swept the UK in recent weeks have brought widespread flooding and left homeowners, motorists and businesses counting the costs.

Many affected will be contacting their insurance companies for advice. But cover and compensation can vary significantly depending on the level of impact and small print in policies, although other automatic protection may be in place.

The Association of British Insurers (ABI) says most home buildings, contents and commercial business policies cover storm damage.

The Association of British Insurers (ABI) says most home buildings, contents and commercial business policies cover storm damage.

Commercial policies cover damage to premises and stock. Business interruption cover, which may be included or purchased separately as part of an insurance agreement, will cover additional trading costs.

Comprehensive motor insurance covers the cost of repairing or replacing vehicles damaged by storms.

The ABI has a six-step recovery guide on what to do if your home or business is flooded:

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