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    • Sloppzz
    • By Sloppzz 3rd Oct 17, 7:32 PM
    • 1Posts
    • 0Thanks
    Declaring Flooding on Home insurance
    • #1
    • 3rd Oct 17, 7:32 PM
    Declaring Flooding on Home insurance 3rd Oct 17 at 7:32 PM
    Hi All,
    I have a question regarding building and contents insurance and declaring flooding.
    We bought a house last year that flooded over 10 years ago. It was a freak one off incident that was caused by a water build up in underground streams that had built up over a prolonged period of time and the excessive rainfall at the time caused the entire estate to flood.

    When we bought the property i declared it on the insurance, however this time round when i was doing a price comparison i forgot to do so and noticed my premium had dropped from over 500 to 270.

    I went back in to correct my error and found that not only did the price rocket back up to over 600 but nearly 80% of the insurance companies would no longer quote me.

    Now my question is this. I have checked on the flood probability service government page and they have set us as a flood zone 1 property. In actual fact our property is the same flood zone as the house we rented prior to ours.

    The house had never flooded before the incident over 10 years ago, nor has the area flooded since. We live nowhere near a river that could flood, and the town now has 2 separate flood defence schemes around it.

    Is it worth me talking to the insurance companies to see if I need to declare it or not, as it seems bonkers that I am penalised to the tune of nearly 400 a year for an incident that happened once but will not happen again.

    Any advice would be appreciated
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    • Linton
    • By Linton 3rd Oct 17, 8:16 PM
    • 9,395 Posts
    • 9,529 Thanks
    • #2
    • 3rd Oct 17, 8:16 PM
    • #2
    • 3rd Oct 17, 8:16 PM
    Different insurance companies take a different view of flood risk, they seem to use private data rather than the public maps. It may be worth your while going through a local broker rather than a comparison site. When we were looking (we are in the yellow area on the flood barrier map) we had quotes varying from around 250 to 500+. Saga for example only ask about visible signs of flooding on the house.

    On declarations, only state things you personally know about during your time in the house rather than stories told to you by the neighbours.
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