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Changes will include cheaper contents cover for some households, Flood Performance Certificates, premium discounts for resilient properties, and a revised approach to claims. The Scheme has helped more than 742,000 households access flood insurance since its launch in 2016, but rising claims, higher reinsurance costs, and the growing number of properties identified as being at risk have put it under increased pressure.
The UK Government has set out further reforms across housing, communities, and local government. Proposals affect leasehold, building safety, social housing, local authority standards, and tourism levies, all of which could impact local housing markets and influence the way councils, owners, agents and residents interact.
New regulations have been laid in the Scottish Parliament which, if passed, will place clearer and more time-bound duties on landlords and agents to investigate and address damp and mould in both private and social rented homes. Clear standards, realistic timescales and consistent enforcement are essential if these reforms are to improve housing conditions without reducing supply or creating unintended consequences.
The Scottish Government has introduced legislation which will amend the Visitor Levy (Scotland) Act 2024, giving councils more flexibility in how they design and run local schemes. This sits alongside the existing timetable for visitor levies to start from spring/summer 2026, with Edinburgh already committed to introducing a 5% levy on overnight stays from 24 July 2026.