Flood Plain Home Insurance
Living on a flood plain
It is estimated that at least 5 million people in the UK live in flood risk areas and face some of the negative aspects that this can bring. In some cases, house prices can be detrimentally affected in these high risk areas, even more so if the house cannot be sold due to insurance difficulties. Since mortgage providers require you to have buildings insurance before offering you a mortgage, the inability to get flood plain insurance could literally make these properties impractical for any buyer.
Some homes situated in a flood plain area represent a major or even unacceptable risk for the insurance companies to take on and so finding flood plain house insurance to cover them can be an uphill struggle. Once you've completed the QuoteRack flood plain quotation request form, your details can be supplied to specialist insurance brokers who understand the issues surrounding at-risk properties.
"Nice to find an online insurance website that primarily deals with those of us who are based within flood plains." Miss J.T., Preston
If you are concerned about your home or a property that you are considering buying, then you would be advised to visit the Environment Agency flood plain map website where you can check your postcode to see whether your home is at risk.
You may also be interested to see other QuoteRack categories such as home insurance quotes and insuring a listed property.
"We were flooded in 2005 and again in 2007 - our insurance cover is more expensive but I dread to think how we might have coped without having the right flood cover."
"It's a beautiful property and the views are terrific. Yes, it's on a flood plain and getting a cheap flood plain quote gets more difficult each year, but we wouldn't want to live anywhere else."