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Flooding damages property, lives and can be incredibly financially damaging as well.

There was 拢352 million pounds in insurance claims for damaged homes following storms Babet, Ciaran and Debi at the end of last year according to the Association of British Insurers. We don't yet know the financial fall out of January's storm Henk - the eighth named storm of the season - but as the climate changes, insurers expect even more of this kind of weather.

So what is flooding costing homeowners and businesses and what is the best advice if you've been affected?

Felicity Hannah visits a flat owner in Worcestershire and we hear from the man who spent 拢80,000 taking matters into his own hands.

This week we're joined by Heather Shepherd from the charity the National Flood Forum as well as Laura Hughes, Manager of General Insurance at the Association of British Insurers, which represents the industry.

Presenter: Felicity Hannah
Producer: Sarah Rogers
Editor: Sara Wadeson

(This episode was first broadcast on Wednesday the 17th of January on Radio 4 at 3pm)