Cumbria floods

Errata

Sadly, Cumbria has experienced very serious flooding again - info for those who can help........


Money can be donated here

http://www.cumbriafoundation.org/


Also....CFM are asking for blankets, clothing and towels

http://www.cfmradio.com/Article.asp?...740&spid=35726

Tigerlilley1980

CFM are now saying that they don't need anymore clothing, blankets towels etc as they have been inundated, but people can now donate money to any branch of the Cumberland Building Society to help thise who weren't insured! Tiger xx

Errata

Thanks Tigerlilley, that seems a bit odd as I doubt there will be many properties that weren't insured and if owners choose not to insure their contents, I guess they made an informed choice.

Tigerlilley1980

I think they just want to help and have more than enough clothing etc... But pople still want to donate. Just heard a story on the radio where a man was on and he had no insurance because it was too expensive due to them being in a flood risk area, maybe there are more like him, not sure! X

Errata

It's very difficult for them. However if they chose not to insure because they thought it was too expensive, that was their choice.
My cousin in Hull was flooded a couple of years ago, her buildings insurance renewal nearly gave her a heart attack but she renewed and goes without holidays to pay for it.
We all have to make decisioins according to our priorities.

rhubarb1

We used to live in a flood plain in Carlisle and we had no insurance either. For a low income family, you had to make tough decisions and in our case it was either have money to pay the bills or have insurance.

We didn't have Sky TV or even digital, no playstation games, no expensive hi-fi, in fact everything in our house was borrowed or second-hand. So it's not like we were paying for TV subscriptions instead of paying for our insurance. And because everything was second-hand we felt that the amount insurers were asking every month was just too much. Overall it would be cheaper for us to replace what we had lost with cheap, second-hand items than it was to pay insurance every month.

I know that some people find it hard to believe that something as basic as insurance is unaffordable for some, but until you start trying to survive on £14k per year with a family you really have no idea. We still struggle, we even go without meat at times to make it cheaper - and yet the Tories reckon that hard working folk like us who survive on tax credits are scroungers. I appeal to everyone to please donate to the Cumbrian funds, these people have lost everything and just before Christmas too. Times are tough up there, loads of people made redundant, trying to survive. Please don't be so quick to judge.

Errata

I apologise, I certainly wasn't judging, just taking a view that some people choose not to have contents insurance, and for those who can replace what they lose at a lesser cost than the insurance premiums it can be a sound decision.

rhubarb1

Well, we were and still are lucky because we only rent, so if our house were to flood, we wouldn't have to pay the cost of carpets, or putting the house right.
But some of these people have to fork out hotel bills and if you have no insurance, who pays for your emergency accommodation? Who foots the clean-up bill for your house? I'm presuming building insurance would be mandatory for mortgage purposes so anything structural will be covered.

I feel for them and will certainly be making a donation.

badmumof1

http://www.cumbriafoundation.org/

Just donated.
Living in a flood risk area i really feel for these people.
I was watching the news area and one woman said her excess was 20k !!
this is why some of the people dont have insurance

Cazza1234

Do a google search for the Flood Forum (I was unable to post the link).

They have been very helpful in providing us with support following our flood which was and is caused by an inconsiderate neighbour. Unfortunately because we don't flood from a river or the sea neither the Environment Agency/Floodline were able to assist. The Council refused to get involved even though it was a statutoy nuisance. Our sewage suplier also failed to investigate even though the pumping station stopped working as a result of the neighbour pumping into the sewage system. The battle is still ongoing and we are continually put at risk by this person.

Fellpony_2

I'd like to say thanks to those who have donated, we were under 5 feet of water on Thursday, we are lucky, some had more water, we were also lucky to be insured. Our house is ruined down stairs. We still aren't allowed to go back in it as the floods have ripped up the road (one way, single track) down as far as the gas main making it dangerous. Gawd knows how long it will be before we can get back in. As if we haven't had enough to deal with with my 4 year olds cancer.