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Flood Area House Insurance- Flood Risk Areas TW - KT - SL - UB

                                 Riverside Home Insurance Quote                          

Best Flood Area Home Insurance        

Flood Area House Insurance that includes Flood Insurance Cover for domestic property is becoming difficult to obtain in certain Vulnerable areas. Even if your home has never Flooded, Insurers are only too often refusing house Insurance on the grounds of the home being near any Watercourse, Reservoir or Sea. The house is deemed as "in an area Liable to Flood"

We at Crown Insurance are fully aware of the problems people face when trying to obtain Flood Area Home Insurance Quote for their homes, as we ourselves live in work in a Flood Area. We therefore have negotiated with Certain Underwriters at Lloyds of London a facility to write Flood Plain House Insurance for flood areas that are deemed to be "Flood Blighted". By individually Underwriting each house on it's own merit, we hope to tailor a Policy to suit your particular possible Flood situation. Riverside Homeowners are particularly discriminated against by Insurers, however we understand that a home on the riverside is not necessarily going to flood, there could be many reasons why it's not the case.

We are particularly interested in helping Home Owners in the following Post Codes that are experiencing problems obtaining House Insurance.

Flood Insurance Quote for Areas GU - KT - RG - SL - TW - UB Post Codes along with many other flood areas that are considered vulnerable by Insurers.

Please Ring: 01784 436 262

There is a course of action open to all Home Owners that live in a Flood Plain, or fear the thought of a Flood, (whether or not an Insurance Policy does include Flood Cover). It is to protect the property by a bespoke Flood Protection System. There are a number of companies that produce a Kite Marked Product, these Flood Zone Alleviation systems are becoming more widely used and our Underwriter is willing to take this into account when searching for a Home Insurance Quote in a flood Area, when fitted with a system. Please view the examples via a links below. Our Insurers take into account any protection against flood that has been added to the property when quoting for Flood Blighted House Insurance

Please complete both forms below giving full details of the home. Our experienced Underwriter will contact you to discuss your particular Flood Area Problem.

                     Flood Questionnaire              Flood Quotation Form                      .

   Floodguards Link                      Floodark Link                     Environment Agency Link

Flood Bulletin 18th Feb 2011

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For Flood Area Home Insurance Tele: 01784 436 262

*  Insurers have deemed your Home as Flood Blighted

* Your House is near a River, Stream or Sea

* Your House May Have Flooded

* Your House is in a flood plain.

In many cases we are able to Insure Homes in the following Areas:

Best Flood Insurance for GU - KT - RG - SL - TW - UB Post Codes

Riverside Home Insurance   -----    Previously Flooded Homes

Bulletin 18th February 2011

More than half a million homes are at "significant" risk of flood and the cost of protecting them will double to £1bn a year by 2035, according to the latest data from the Environment Agency (EA).

The rising costs will be incurred from the impacts of climate change that will take effect in the coming decades, meaning homes in Flood Risk Areas and communities will increase unless defences are improved.

The costs of dealing with flood can run into the billions - the devastating flood of summer 2007 cost a total of £3.2bn according to the EA, including more than £2bn in costs to homeowners and businesses as well as 400,000 of lost school days. The EA estimates that 5 million people live and work in the 2.4m properties in England that are at some risk of flood and, at present, around £570m is spent every year building and maintaining the defences required for them. Half a million of those properties are in highest flood risk band, which means they are at risk of flood due to extreme weather expected once every 75 years.

"What we know from the science of climate change is that weather patterns are going to become more extreme. Flood risk is going to get greater and we need to up our game in response to that," said Chris Smith, the EA chairman, in an evidence session to the House of Commons environmental audit committee recently.

"The case for flood defence is very strong. The cost benefit of any flood defence work that we do, the benefit is at least five times the cost. The average cost to a home of having a flood is £20,000 to £30,000. The average cost to a home of being burgled is about £1000. So the damage that a flood does in terms of its impact on people's livelihoods is huge."The average cost of fitting a house with flood eleviation devices is about £5,000 depending on the size and structure of the home.

An Treasury spokeswoman said:"The government will make decisions about the allocation of expenditure, including the allocation for flood risk management, at the next spending review." She pointed out that spending on on flood and coastal erosion risk management had increased in recent years, from £394m in 2002-03 to £564m in 2005-06.

Not spending the money could have even bigger consequences. The EA estimates that the annual cost of  Flood damage to residential and commercial property England could rise from £2.5bn to £4bn by 2035 without the extra cash for flood defences. Investing the money would save England some £180bn over the next 100 years.

"Even at a time of unprecedented financial pressure, this is something that has to be given a priority," said EAC chair and Conservative MP Tim Yeo. "We could be more creative about getting private sector investment in as well. Where you've got new developments taking place, it's quite legitimate in my view for the planning authority to say, look, although what we're going to ask for [in flood defences] is not directly related to the houses or supermarket you're putting up there, it is of concern to this community and we do need to accelerate investment in flood-prevention measures so we want to supplement what the taxpayer is being asked for with developer contributions."

Runcie said that flood management in future would depend on careful planning and preventing the construction of new buildings on flood plains. "One of the things that's made a huge difference on that is a change to the planning laws where, only last year, we became a formal consultee. In the last 12 months, of the thousands of applications for major developments that have been proposed, only 4% went against our recommendations."

The Government and the insurance industry have agreed that the conditions should be in place to enable the insurance market to be able to provide flood insurance to the vast majority of households and small businesses efficiently and without the specific commitments below from 1 July 2013. Thereafter, the industry will continue to work with existing customers to explore insurance options for domestic property and small business customers where the flood risk is significant and no public plans are in place to defend the property. Until 30 June 2013, ABI members commit to:

  • Continue to make flood insurance for domestic properties and small businesses available as a feature of standard household and small business policies if the flood risk is not significant (this is generally defined as no worse than a 1.3% or 1 in 75 annual probability of flooding).
  • Continue to offer flood Zone Insurance cover to existing domestic property and small business customers at significant flood risk providing the Environment Agency has announced plans and notified the ABI of its intention to reduce the Flood risk for those customers below significant within five years. The commitment to offer cover will extend to the new owner of any applicable property subject to satisfactory information about the new owner.

It is important to note that:

  • The premiums charged and policy terms will reflect the level of Flood Risk presented and are not affected by this commitment.
  • This commitment does not apply to any new property built after 1 January 2009: the ABI encourages developers and customers purchasing a property in a new development to ensure that it is insurable for flooding. The ABI intends to publish guidance on insurance for new developments in autumn 2008.

This commitment is subject to annual review that will consider progress in resolving the areas of continuing work and implementing the Government’s commitments and to additional review in the event of any significant external shocks, such as a reduction in the availability of flood reinsurance or major changes in the UK insurance market.

Flood Bulletin 18th Feb 2011

Refused House Insurance for fear of flood in GU KT RG SL TW UB Post Codes

The cost of UK flood protection doubles to £1bn a year. Latest data from the Environment Agency shows that more than half a million UK homes are at significant' risk of flood.

More than half a million homes are at "significant" risk of flood and the cost of protecting them will double to £1bn a year by 2035, according to the latest data from the Environment Agency (EA).

The rising costs will be incurred from the impacts of climate change that will take effect in the coming decades, meaning the risks to homes and communities will increase unless Flood defences are improved.

The costs of dealing with a floods can run into the billions - the devastating floods of summer 2007 cost a total of £3.2bn according to the EA, including more than £2bn in costs to homeowners and businesses as well as 400,000 of lost school days. The EA estimates that 5 million people live and work in the 2.4m properties in England that are at some risk of flood and, at present, around £570m is spent every year building and maintaining the Flood defences required for them. Half a million of those properties are in highest risk band, which means they are at risk of a flood due to extreme weather expected once every 75 years.

"The case for flood defence is very strong. The cost benefit of any flood defence work that we do, the benefit is at least five times the cost. The average cost to a home after a flood is £20,000 to £30,000. The average cost to a home of being burgled is about £1000.

Cost of UK flood protection doubles to £1bn a year

Latest data from the Environment Agency shows that more than half a million UK homes are at 'significant' risk of flood

  • The devastating floods of summer 2007 which affected Tewkesbury cost a total of £3.2bn according to the EA.

More than half a million homes are at "significant" risk of suffering from Flood and the cost of protecting them will double to £1bn a year by 2035, according to the latest data from the Environment Agency (EA).

The rising costs will be incurred from the impacts of climate change that will take effect in the coming decades, meaning the Flood risks to homes and communities will increase unless Flood defences are improved.

FloodLondon