Buildings Insurance - Flooding Potential

Woby_Tide

it might be the factthen that the barrier hasn't been assessed yet so the Environment Agency haven't rated it yet, hazarding a guess from what we've seen in the area we are looking recently which also has earth mounds built up, I think they will rate it as moderate. Purely because they've had to install manmade flood defences, they'll cover their back rather than say the risk is minimal just in case anything ever did fail and the insurers tried to claim against Environment Agency on duff information

sarah_elton

MORPH3US wrote:

Massive thanks for that!

I have e-mailed Norwich Union home insurance to clarify the point, but if like you say they have access to the database then I should be ok with the quotes I already have right?

M

Yeah that'll be fine. If the home had flooded since it was built, then it would be worth phoning them to double check, but if not then just go ahead.

MORPH3US

sarah_elton wrote:

Yeah that'll be fine. If the home had flooded since it was built, then it would be worth phoning them to double check, but if not then just go ahead.

Thanks again!

I have since found out that a person who works for the same company as me lives in the next estate over from this house. His house is in the middle of the floodplain (mine is right on the edge) and he says he has "never even seen a suspicious looking puddle, let alone a flood". He has lived there since they were built 9 years ago too!

Thanks for all your help everyone!

M

rsvtoddy

M

Having just had Zurich pay out over £30k in a flood claim (buildings only) I can thoroughly recommend them - no quibles/problems at all!

I'd only owned the house for 3 months as well!

Mark

Jorgan_2

I spoke to a solicitor a while ago about this & she was laughing about the environment agency web site. She carried out a search for a client & it showed a high risk of flooding, she has lived in the area for 35 years and can not remember the area flooding. She then checked the village where she lives, which has been subject to minor flooding twice in the 9 years she has lived there, low risk of flooding.