Flood Insurance

Is your home a flood risk and in need of home insurance? SIS can help...

Flooding and flash flooding has become widespread throughout the United Kingdom and has affected thousands of properties, causing hundreds of millions worth of damage. This now means that if you live in an area which is liable to flood, insurance for your home and contents may be difficult to obtain.

If your property is a flood risk, home insurance can prove tricky to find. Many people find that they get turned down for home insurance simply because of their postcode. If you have been flooded recently or are in a flood risk area and need home insurance, all is not necessarily lost. Contact SIS today on 0161 969 6040, or click below to request a quote. We can help.

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At SIS we can assess your flood risk with Desktop Surveys which cost £35 + VAT. Very occasionally a site survey costing around £495 may be required. As long as the individual implements all recommendations within the reports (proof will be required), we will guarantee to give flood insurance cover with a maximum excess of £2,500.

Flood Risk & Home Insurance

Surface water flooding occurs when drains overflow, or when soil becomes saturated and can no longer absorb any more water. This usually follows heavy rainfall. Surface water flooding causes particular problems in urban areas where the excess water flows onto roads and pavements, and into buildings.

Property developments up and down the country have also caused considerable concern to neighbouring areas and estates, as the construction of numerous new houses and supermarkets means that surface water has nowhere to go after heavy rainfall. Excess water subsequently causes flooding issues for neighbouring houses. Homes that have never been a flood risk are now having flooding issues, conincidentally following construction of new developments nearby.

As more developments spring up, more land is cleared for concrete and tarmac, which cannot absorb rain water. Drainiage systems simply cannot cope with excess surface water and this can result in flooding. New drainiage systems can be put in place, but unfortunately these often are built to serve the new development only, not the existing houses that are suddenly experiencing problems with flooding.

To compound the issue, many new developments have arisen on land that is known to be prone to flooding. Not only is this problematic for the new homeowners, but it can also cause considerable flooding issues for nearby existing homes. Once a property has flooded, it can be very difficult to obtaon affordable insurance, and your home will be very difficult to remortgage or sell.

If you are struggling to get insurance for your home due to flooding issues, SIS can help. Call us today on 0161 969 6040 or click below to request a quote and we will call you back.

Request A Quote