Surge in UK flood claims prompts new RSA-backed study

RSA Insurance has partnered with the University of Hull’s Energy and Environment Institute to launch an 18-month research project aimed at helping UK businesses and property owners adapt to the threat of flooding.

The initiative will assess the effectiveness of property-level flood resilience measures such as flood doors and smart air bricks in commercial environments. With the UK facing more frequent and severe weather events, the collaboration aims to identify practical and scalable solutions that can work in operational settings with challenges such as high foot traffic, accessibility and security constraints.

Research will be led by Professor Stuart McLelland, and supported by Dr David Furnues.

Stuart McLelland, Professor of Water Science, University of Hull, said: “This is an exciting opportunity to work with RSA to build on our expertise in flood resilience and improve understanding of how property-level measures can be used to reduce flood risk. Together we will look at opportunities for product innovation, so that individuals and organisations can take appropriate steps to reduce their flood risk, promoting resilience in the face of more frequent flooding.”

Alison Gardner, head of UK and international social impact at RSA, added: “As climate change contributes to more intense and frequent flooding, the need for adaptation has never been more urgent. It’s not enough to respond to extreme weather, we must prepare for it.

“This research plays a vital role in building the evidence base we need to understand what works, where, and for whom. By focusing on commercial properties, which face unique challenges, we can help shape practical tools and solutions that support a more resilient future for businesses and communities alike.”

According to the Association of British Insurers, weather-related insurance claims for homes and possessions surged to £585m in 2024 – more than triple the amount recorded in 2022 – driven largely by flooding and other climate-linked events.



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