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Flood insurance
samaudio
Posts: 20 Forumite
Hello,
We've had a problem with our garden flooding a couple of times in the last few years. It was caused by the adjoining railway land having blocked storm drains. They jetted them earlier in the year and the problem seems to have gone away. Our house itself wasn't affected by the flooding, just the garden.
We are not in a high risk flood area, but I am now having problems getting insurance. I have told the insurers the situation but most simply don't insure if you've had a flooding anywhere on the property in the last 10 years. I got a quote from a specialist flood insurer online for over £3000!
Any ideas?!
We've had a problem with our garden flooding a couple of times in the last few years. It was caused by the adjoining railway land having blocked storm drains. They jetted them earlier in the year and the problem seems to have gone away. Our house itself wasn't affected by the flooding, just the garden.
We are not in a high risk flood area, but I am now having problems getting insurance. I have told the insurers the situation but most simply don't insure if you've had a flooding anywhere on the property in the last 10 years. I got a quote from a specialist flood insurer online for over £3000!
Any ideas?!
0
Comments
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Try local brokers (who may have dealt with this for your neighbours and know a sympathetic insurer)0
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Are you sure that is a 'flood' in the insurance sense?
Example; People say 'my bathroom was flooded due to a leak', but that isn't a 'flood' in an insurance sense.
Did you claim on your home insurance?0 -
Well, it was quite dramatic, nearly the whole garden was flooded up to a metre high, although luckily the garden slopes, so it didn't reach the house.
We didn't make any claim as nothing was damaged.
I guess that constitutes a flood, but I'm not 100% sure...0
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