When your property has a history of flood, insurance can be hard to come by. This is made harder again if you are in a flood risk area. Luckily we're here to help.
At One Insurance Solution (a trading style of Brightside Insurance Services Ltd), we have access to a panel of multiple insurers and can therefore provide home and flood insurance in many cases.
In general there are 2 main types of flooding that occur in the UK. One is river flooding and is usually caused by heavy rainfall. This can be very common in the UK where it rains approximately a third of the year. The second is coastal flooding. Coastal flooding is usually caused by storms that originate far from the UK. These storms create high winds, large ocean swells and waves that rise above the normal levels, flooding coastal areas.
Flooding in the UK is certainly happening more often with higher severity. The increase in recorded floods over the last 100 years can be associated with climate change and rising sea levels. Due to the increase in floods and the damage caused by them, a new government backed insurance scheme was introduced. Flood RE is a way for insurers to reduce their risk when covering high flood risk areas. This means that a flood home insurance quote is more readily available at lower than seen before prices.