Britons concerned about the probable impact of flooding have been assured that they are possibly covered for damages by their active home insurance policies.

The Association of British Insurers (ABI) have pointed out that since the early 1960s, safety for flood-induced damages has been a major feature of contents and buildings insurance.

The UK was hit by heavy rain and strangely high winds over the weekend, leading to uncertainties that few areas would shortly be affected by severe flooding. According to the analysis by Environment Agency, the usual household will suffer from damages of approximately £28,000 if their homes are flooded.

A leading insurance provider also announced that it had called in extra standby staff to assist with an anticipated rise in weather-related claims. A spokesperson from ABI said that flood insurance is an essential part of contents and buildings insurance.

The spokesperson from the leading insurance provider also said that homeowners living in flood risk areas may need to pay a bit more for their home insurance to have a higher excess.

The research by the firm found that just 6% of the UK householders have taken adequate steps to safeguard their homes against extreme weather conditions.