Do insurers know about flooding on a property?

Sandtree

Mickey666 said:

Thrugelmir said:

Mickey666 said:

TELLIT01 said:

Doesn't one of the questions asked refer to flooding?  If it does, the insurer will have no need to share a database as failing to disclose that information would immediately invalidate the insurance in the event of a claim for flood damage.  Insurers will certainly have access to information about properties whether they insure them or not.

How can a new owner be expected to know the flooding history of a property?

If such a question is asked, just answer 'don't know'.

Seller has to disclose this information when the enquiries are made. 

I understand that, but what if the seller lies about previous flooding what then?  Or what if the seller says they haven;t had any flooding but didn't know about a previous owner's flood claim - either genuinely, or because the previous owner lied?

Seems unfair for the buyer to have a claim denied because he passed on the seller's answer in good faith.

And this is where the guidelines on unintended non-disclosure kicks in... if they have from their lawyers statements from the seller that there was no previous flooding then they have answered in good faith, and depending on the exact wording of the Q then potentially also correctly.

Thrugelmir

Plenty of data available these days. In interests of everybody to share it. 

https://www.floodre.co.uk/flood-resources/