As the weather worsens, insurance companies can only continue to urge homeowners to ensure they have adequate home insurance.

Hurricane Ike left £7bn worth of destruction as it swept over Galveston, Texas last week, destroying tens and thousands of homes. Insurance industry officials had estimated that the damage would exceed over £7bn.

While in the UK, around 180,000 home insurance complaints had been received by providers after the floods that hit England in June and July.

As storms sweep over the UK for the second consecutive year, and as forecasters believe that September could be the record month for rainfall, homeowners around Britain are urged to take out adequate home insurance.

Previous research has shown that almost 40 per cent of Britain’s homeowners do not have adequate home insurance despite the increased risk in flooding.

A recent study discovered that 38 per cent of the people questioned do not have home insurance.

Statistics revealed that £214bn worth of property, land and assets are currently in flood risk areas throughout England and Wales. Insurers advise that homeowners take precautions in taking care of their homes and assets and ensure that their insurance policy covers flooding.