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Search Results - Flood Risk

Jenny.W
Jenny.W Posts: 164 Forumite
Part of the Furniture 100 Posts Combo Breaker
edited 20 May 2013 am31 7:44AM in House buying, renting & selling
The house we are purchasing has never flooded and isn't within the flood risk colours on the environmental agency website.

The search report has come back to say:

A neglibible risk of tidal/fluvial flooding and a negligible risk of surface water flooding have been identified within 25m of the centre of the property.

what is the risk of flooding at the centre of the site - NEGLIGIBLE

what is the highest risk of flooding within 25m of the centre of the site - NEGLIGIBLE

From the map they've sent, it appears there was some surface flooding on one of the nearby roads.

Any ideas what I say to the insurance company? The property has never flooded

Comments

  • hazyjo
    hazyjo Posts: 15,474 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just answer what the insurance company ask you, don't volunteer any information. They will assess if it's in a flood risk zone - which it doesn't appear to be.

    I can't see how surface flooding on a nearby road would have any impact on your property insurance whatsoever.

    Jx
    2024 wins: *must start comping again!*
  • Jenny.W
    Jenny.W Posts: 164 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    hazyjo wrote: »
    Just answer what the insurance company ask you, don't volunteer any information. They will assess if it's in a flood risk zone - which it doesn't appear to be.

    I can't see how surface flooding on a nearby road would have any impact on your property insurance whatsoever.

    Jx

    thank you, yes this is what I thought. The insurance questions just ask if the property has flooded within the last 10 years - which it hasnt and when we visited the area we spoke to the neighbours who confirmed that they had never flooded.

    Out of interest do insurance companies have their own system of identifying flood risk areas when you provide a postcode?

    I guess the search company will just flag everything up to cover themselves. Afterall the definition of negligible is:

    Negligible refers to the quantities so small that they can be ignored :D
  • olly300
    olly300 Posts: 14,737 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    Jenny.W wrote: »
    thank you, yes this is what I thought. The insurance questions just ask if the property has flooded within the last 10 years - which it hasnt and when we visited the area we spoke to the neighbours who confirmed that they had never flooded.

    Out of interest do insurance companies have their own system of identifying flood risk areas when you provide a postcode?

    I guess the search company will just flag everything up to cover themselves. Afterall the definition of negligible is:

    Negligible refers to the quantities so small that they can be ignored :D

    Insurance companies know the postcodes they have paid compensation to for flooding.

    Also if the flood problem is surface flooding it could be sorted out in a couple of years.
    I'm not cynical I'm realistic :p

    (If a link I give opens pop ups I won't know I don't use windows)
  • chrisw
    chrisw Posts: 3,690 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    They put negligible because it is impossible to guarantee it will never flood. However, in risk terms it is at the lowest possible risk.
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