Having experienced another year of heavy rainfall and both local and regional flooding, we predict a rise in flooding claims next year. As insurers are continually facing more frequent and larger claims, they may be more likely to consider recovery opportunities against, in particular, local authorities and other relevant government agencies who either failed to implement appropriate flood defences or failed to properly manage the flood defences in place. This could include a failure to maintain overflow areas or decisions to raise/lower defences at the right time.  Historically such recovery claims have been difficult to maintain, but the tide may slowly be turning after some more favourable recent decisions and we have already seen an uptick in enquiries from insurers to work with insureds and loss adjusters to ascertain the merits of potential recovery actions.