Question to the Department for Environment, Food and Rural Affairs:

To ask Her Majesty's Government what discussions they have had, or intend to have, with the insurance industry about incentivising property owners to protect their properties from (1) flooding, and (2) wind damage.

Since 2016, Defra has worked with insurers and other industry representatives through a Property Flood Resilience (PFR) Roundtable to take forward technical issues and develop pathways to deliver greater uptake of Property Flood Resilience. A ‘Code-of-Practice’ to improve service delivery has recently been published by the group.

Flood Re have published their Quinquennial Review into the future development of the scheme, including ways to incentivise PFR, which the Government is carefully considering.

We have not had any discussions with the insurance industry on wind damage.