The National Flood Forum is challenging the insurance industry to reconsider its approach to flood protection measures.
As we have heard in the news, severe flooding has hit parts of England and Scotland and there are further flood warnings in many areas this weekend.
Money Box has learnt that different insurers are taking very different approaches to the work homeowners are investing in to protect their homes.
These flood protection measures can cost tens of thousands of pounds, but in some cases they seem to be making no appreciable difference to the premium or excess customers are being charged.
Now there are calls for the insurance industry to change its approach. Bob Howard reported.
This item was first broadcast on Radio 4's Money Box on Saturday, 21 November 2009