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High risk river and surface flooding according to SEPA map - how accurate is this?
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If people didn't buy the houses which are built on areas liable to flood, maybe the developers would stop building them there?The map you're looking at possibly isn't 100 per cent accurate, but it's giving you a big clue, isn't it?0
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Have you ever had a flood in your house? It's miserable. If there's a risk of flooding I would avoid.2
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Presumably the price reflects the location? TBH, £350 for building and contents insurance doesn't sound that high. We pay about £500 a year albeit for a 3 bed terraced house - we aren't in a flood risk area.0
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Vectis said:If people didn't buy the houses which are built on areas liable to flood, maybe the developers would stop building them there?The map you're looking at possibly isn't 100 per cent accurate, but it's giving you a big clue, isn't it?I'm a Forum Ambassador on the housing, mortgages, student & coronavirus Boards, money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.0
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Blank11 said:user1977 said:Blank11 said:user1977 said:As SEPA say on their website, the maps are only really meant to give a rough idea of the flood risk within a 50 metre radius, so don't that provide that much certainty of whether a specific property is at risk or not. But probably as good as you're going to get without paying for a much more specific assessment.
Have you checked for insurance quotes? I would have thought that to be a good indicator of whether there have been any flood claims in recent times.
Also, is your existing premium comparable? Is that an up to date quote or just what you paid last time? Bear in mind premiums in general have shot up recently.0 -
Bigphil1474 said:Presumably the price reflects the location? TBH, £350 for building and contents insurance doesn't sound that high. We pay about £500 a year albeit for a 3 bed terraced house - we aren't in a flood risk area.
Obviously it depends on a few things, but the main point seems to be they do not sign up for any extras, like accidental damage, legal expenses, garden stuff, personal belongings outside the home etc and agree a reasonably large excess.
Personally I am signed up for most of these things, but still only pay around £325 for a 4 bed house.0 -
Have you visited the property? especially at the moment I would think it would be straight forward to see whether its really likely to flood or not. We have drainage problems on our estate which is on a slope with a main road at the top and the run off goes down through our estate and into some woods at the back where there are some lakes. A number of houses have gardens that slope down towards the houses and they have had issues with their patios flooding so a number have put in drainage along the front of the patio so that the water drains away there before it gets to the patio if that makes sense.
Personally I would say visit and see for yourself. At this time of year after all these storms if it hasn't flooded then I would have thought you would be ok.2 -
user1977 said:Blank11 said:I did some quotes and it comes up double the price of where I live. Some houses that are shown to be in the coloured flood zone beside the house I am interested in is an extra £100-200 on top. Now I am unsure whether it is a result of high risk flooding or/and insurance claims.
Also, is your existing premium comparable? Is that an up to date quote or just what you paid last time? Bear in mind premiums in general have shot up recently.
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GixerKate said:Have you visited the property? especially at the moment I would think it would be straight forward to see whether its really likely to flood or not. We have drainage problems on our estate which is on a slope with a main road at the top and the run off goes down through our estate and into some woods at the back where there are some lakes. A number of houses have gardens that slope down towards the houses and they have had issues with their patios flooding so a number have put in drainage along the front of the patio so that the water drains away there before it gets to the patio if that makes sense.
Personally I would say visit and see for yourself. At this time of year after all these storms if it hasn't flooded then I would have thought you would be ok.0 -
Reading online and majority of the votes seem to say to leave it.0
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