Insuring a property with adjoining field that floods

willmilller

Hello All,

I am buying a house which has a field attached. The boundary of the field, at the furthest point from the house, is a river. This river occasionally floods and water comes on to the field. This is highlighted in the flood risk portion of our "searches" as a "high" risk. The risk to the house itself is "negligible" and the house has never flooded.

I am having trouble finding a sensible insurance quote as when answering the questions about proximity to a water course and has any part of the property ever flooded the answers are <5m and yes.

Is there a way of splitting the house from the land for insurance purposes, they are on the same title deed. Or is there another way of obtaining a quote that is more considered.

For background information the house is detached, built in the 1990s and is more than 200m from the river. NFU quoted £2,300.

Any advice gratefully received.

XRS200

Which company does the current owner use?

willmilller

I am afraid I can't find out. The executors don't seem to be able to find any paperwork

Albermarle

Family member bought a property close to a large River last year. It was known that the garden/street had flooded twice in the last 12 years, but not the house.( which is raised up) . They managed to get insurance for about £1000 with Aviva . It seems most of their neighbours have decided not to take out insurance ( or insurance without flooding being covered) due to the cost.

huckster

Not much can be done, as the property will always be in an area subject to flood risk.

Where I live, there was a flood about 25 years ago from a small river and some houses were affected. Because my postcode is same as houses that were flooded, I have been paying slightly higher premiums. The environment agency have completed works that reduce the risk and have emergency plans than can be put into operation if the river reaches a certain height (it is monitored 24 hours a day by a system installed).

You just have to shop around as much as you can. Many Insurers come under Flood Re scheme.

Flood Re - A flood re-insurance scheme https://www.floodre.co.uk/ https://www.floodre.co.uk/