Insurance chiefs were attending a flooding summit today with ministers who are demanding a "stepped-up national effort" to deal with the impact of the extreme weather.
Victims have so far received £14 million in emergency payments but senior representatives of leading firms will be asked to demonstrate what efforts they are making to get households back on their feet that are "as quick and as simple as possible".
It comes as consumer champion Which? raised concerns that customers making insurance claims were often forced to call costly telephone numbers - sometimes running up bills of 41p a minute - when asking for help.
According to its research, 79% of home insurers use expensive 084 or 087 numbers for their customer lines, including big names such as Ageas, Aviva, Axa, Churchill, Direct Line, Esure, Hiscox, Royal and Sun Alliance, and Virgin.
Which? executive director Richard Lloyd said: "We're pleased the Prime Minister has this issue high on his agenda and the insurance companies must to do everything they can to make things easier for flood victims who shouldn't have to pay a premium to make a claim, especially when many will be calling from a mobile.
"The Government must also make sure other public bodies play fair and drop high-rate numbers as soon as possible so that people are not left out of pocket when calling essential services."
Severe flood warnings - where there is a danger to life - remain in place on the Somerset Levels and there are also 109 flood warnings across England and Wales.
The Environment Agency (EA) said river levels would start to gradually fall this week, but warned the Severn posed a risk of ongoing flooding in Gloucestershire and Worcestershire until Thursday.
Groundwater flooding remained a cause for concern in Berkshire, Hampshire, Surrey, Sussex, Kent and parts of London and there was also a risk of coastal flooding for North Cornwall and North Devon, and at Chiswell and Preston Beach in Dorset from Thursday through to Saturday, the EA said.
Mat Crocker, the EA's flood risk duty manager said: " It is an improving picture across most of the country, but we will continue to see the impacts of flooding for many days to come."
On top of the £14 million in successful insurance claims - typically between £500 and £3,000 - £24 million has been paid out for emergency accommodation, the Association of British Insurers (ABI) said.
More than 2,000 loss adjusters were "ready and waiting" to assess the damage when the flood waters had subsided sufficiently, it said, and 1,800 staff had been reassigned to deal with customer queries.
The sheer scale of the likely claims has raised fears of rising premiums wiping out recent falls. Summer floods in 2007 resulted in a hit of more than £3 billion.
Flooding minister Dan Rogerson said: "We all need to pull together to help those areas badly affected by the floods, so they can get back on their feet as quickly as possible.
"Dealing with the aftermath will take time and requires a stepped-up national effort.
"Insurers have a critical role to play and, by working closely together, we will continue to ensure that the help and support which people need is available."
The chief executives of Aviva, Direct Line Group, Axa, Lloyds Banking Group and Ageas, the claims director of RSA and underwriting director of Axa are due to attend, representing 60% of the market.
ABI director general Otto Thoresen will also join Mr Rogerson, Cabinet Office ministers Oliver Letwin and Jo Johnson, and communities minister Brandon Lewis.
Mr Thoresen said: "Insurers have been on the ground in local communities since before Christmas working to help people get back on their feet as quickly as possible.
"Flooding is devastating for those affected, which is why insurers have 24 helplines, emergency response vehicles on the ground, and teams of claims handlers mobilised to make sure people get the support they need.
"Today's meeting is a chance for the industry to update the Government on the operational response.
"With £14 million already paid out in emergency payments since December 23 and £24 million spent on emergency accommodation, insurers are geared up to help in every way they can."
Labour leader Ed Miliband, who was visiting flood-hit areas of Somerset, called for much quicker insurance payouts to affected households.
The Government and insurance industry should agree that payments should be made "within weeks" of people submitting claims, and there should be a significant reduction in the maximum amount of time people have to wait to get claims completed.
Mr Miliband said: " Thousands of families have been forced to abandon their homes and are now living with friends, family or in hotels. And what these families want to know is that they don't have to wait for months on end to receive insurance pay-outs or wait over a year to get back in their homes.
"Of course it takes time to repair homes damaged by flooding, but 12 months to complete an insurance claim is far too long. The Government must sit down with insurers and agree a new industry standard that significantly reduces the time that people have to wait to have their houses restored and move back home."
But the ABI said that because the type and severity of damage caused by flooding varied widely "trying to set an artificial deadline is ... counterproductive".
Meanwhile, more than 3,500 service personnel remain committed to provide flood relief as the country continues to pick up the pieces.
A Ministry of Defence spokesman said: "Military personnel from the Royal Navy, Royal Marines, Army, and the Royal Air Force continue to provide flood relief in affected parts of the UK including the Somerset Levels and Severn Valley in the South West, the rivers Itchen and Test in the South, and the Thames Valley, where the majority of requests for military assistance have been made."