New guidance aimed at developers has been published in a bid to make more homes flood proof so owners can still find affordable home insurance.
The Association of British Insurers (ABI) has highlighted measures to help its members to continue to be covered against flooding on new developments, and also help people who are thinking of buying a newly built property.
Insurers expect builders to have approval for all new builds from the Environment Agency in England and Wales, or the equivalent bodies in Scotland and Northern Ireland.
The guidance recommends having raised floors and using flood resilient building materials when buildings are located in flood risk areas.
Details of the measures taken should also be given to homeowners so they can pass this information on to their insurers.
Stephen Haddrill, director general of the ABI, said: "These guidelines will help developers and planners to build properties to withstand the impacts of climate change, such as flooding."
Insurers are continuing to offer cover to properties at risk from flooding at a price that reflects the risk until 2013, but this statement of principles does not apply to new homes built after January 1 this year.
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