New House - Potential Flood risk

Vegastare

It does ask on some home insurance are you near a water course...not sure of distance requirement from source....but you really need to be sure as it could invalidate insurance.

AdrianC

Vegastare wrote: »

It does ask on some home insurance are you near a water course...not sure of distance requirement from source....but you really need to be sure as it could invalidate insurance.

Horizontal distance is not the whole story, of course.

We had a few issues insuring our old place, as there had been flooding at the end of the road. We were about 30m higher, and if we'd got flooded, the station and the M25 would each have been under 10m+ of water.

Now we have two streams, one on each side of our plot. But the house is about 5m higher than either...

freeof1

My suspicion is the vendors are scared stiff that you know about the flooding and will pull out of the purchase. Why? Because they know that's what any rational purchaser would do. So ask yourself - are you willing to act irrational because you've fallen in love with the house?

As for you looking for criteria such as "a foot of water around the house", you're buying a house not a boat. The criteria should be no history of any water on or near the property boundary.

markin

Do you really want the stress every time it rains heavy???




Is the a step up into the house. Or 5? How about posting a link?

HampshireH

OP you sound like you have decided to purchase regardless and are just waiting for someone to give you the nod.

Its hard to remove the emotion from house buying but it sounds like you need to for this one.

Think how devestated you will be if you new house floods 6months after you move in......and then again 2 years later

Seraphexx

Thanks for the feedback all.
As you have mentioned we like the house. Will sit down with the solicitors and discuss options but I'm certainly taking your feedback on board.

house is on zoopla property/2-balmoral-court/hemington/derby/de74-2px/6634110

Thanks!

GDB2222

markin wrote: »

Do you really want the stress every time it rains heavy???




Is the a step up into the house. Or 5? How about posting a link?

I was thinking about stress. Even if insurance is available at reasonable cost, it will be your home that gets flooded, and you will be the one having to deal with it.

The sewers tend to flood, so you can get effluent coming out of your downstairs toilet. Ugh!

AdrianC

https://www.zoopla.co.uk/for-sale/details/50478454
https://www.rightmove.co.uk/property-for-sale/property-79416131.html

Flat as a pancake, and streams on two sides...
https://goo.gl/maps/55vjCZV5y1nEr5Xr5
https://www.streetmap.co.uk/idld.srf?X=445610&Y=328219&A=Y&Z=115&lm=1

...and nestled neatly into the M1/A50 junction right alongside East Midlands Airport's runway next to Castle Donington race track.
2km from the runway
3.5km from the circuit
1.7km from the M1, 1.2km from the A50.

Seraphexx

GDB2222 wrote: »

I was thinking about stress. Even if insurance is available at reasonable cost, it will be your home that gets flooded, and you will be the one having to deal with it.

The sewers tend to flood, so you can get effluent coming out of your downstairs toilet. Ugh!

Groundwater flooding from the stream is the only real risk from what I understand but I certainly take on board what your saying about stress.

AdrianC wrote: »

can'tpost with links

Flat as a pancake, and streams on two sides...
can't post with links

...and nestled neatly into the M1/A50 junction right alongside East Midlands Airport's runway next to Castle Donington race track.
2km from the runway
3.5km from the circuit
1.7km from the M1, 1.2km from the A50.

I'm not worried about the roads/ airplanes/ racetrack because we live in the area currently and are used to/ not bothered (I love the race track noises). It's just the water which as you have shown is the real risk.

The only things going for it from a flooding perspective is the fact it's not flooded before and the area itself has only ever flooded once before (not that that's a good thing as people have said it's becoming a more frequent issue)

Thanks for the input though, it's useful and certainly pushing us to re-think.

I'm going to talk to the solicitors and the vendors and take it from there.

AdrianC

Considering they were only built in 2004, I'm not sure "But never flooded before" tells us very much.

And why is it being sold again so quickly? The vendor only moved there in summer 2016, and has extended it in that time. The LA's planning search doesn't show far enough back to show what groundwater factors were covered in the original development planning app.