"Flood" caused by blocked drain - insurance quotes?

SaveSomeMore_2

I'm getting quotes for a house I'm due to buy.

Apparently in the past ten years the back yard (not the house) was flooded slightly as a drain on the property was blocked and heavy rain caused water to back up (a big puddle basically). All remedied now and the drain is now clean and regularly maintained.

When I'm getting online quotes it asks for details of any flooding on the site including that caused by heavy rain? If I am "honest" this culls the list of possible insurers as it seems to flag as a major flood risk.

Could it not be argued this was just a one-off drainage issue not a flood issue and so not mention it? Is this really that different than a internal burst pipe (which is not classes as a flood)? It seems silly that the quotes seem to treat this as though the house was flooded 4 foot deep!

Quentin

You need to answer the question truthfully or face the possibility that they know about the flood and you end up with a void policy on you record for deliberately attempting to reduce your premium by lying.

SaveSomeMore_2

Quentin wrote: »

You need to answer the question truthfully or face the possibility that they know about the flood and you end up with a void policy on you record for deliberately attempting to reduce your premium by lying.

As I thought.

It was more whether this backup technically classed as a "flood", but I suppose it is better safe than sorry even if it does bump up the premiums.

Andypandyboy

I would go through a broker for quotes as they can answer the question based on the information you have given. Personally, I would not class that as flooding.

Quentin

SaveSomeMore wrote: »

....It was more whether this backup technically classed as a "flood", but I suppose it is better safe than sorry even if it does bump up the premiums.

When you find an insurer call them and discuss the incident with them and see what their view is

If they agree it need not be disclosed ask for them to confirm it in writing.

If this history causes a big problem over insurance is it too late to search elsewhere? You don't want to end up with a lemon you will have difficulty selling!

FutureGirl

I would check policy definitions of a flood with the insurers you're interested in. From what you're saying we wouldn't class that as a flood, we'd class that as an Escape of Water, or un underground Pipes claim.