Flooding … expected to rise in England and Wales

With flooding hitting southern England in recent weeks we are reminded again of the devastating and far reaching effects of flood. Unfortunately, this occurrence is only set to increase in the future with one in six properties expected to be affected according to the Environment Agency.

Whilst some flooding is caused by from River Flooding the most common cause of flooding experienced is that of surface water. Where the drainage system is unable to cope with heavy rainfall the results can be catastrophic and where there is flooding of the sewage systems there may be resultant water contamination.

Residential properties and business are often seriously impacted by flood. With increased claims for flooding, Defa report that repairs to homes after flood damage can be in the region of £10,000 – £50,000, insurance premiums continue to rise. Not only is it more expensive to get adequate insurance cover for your home (with some homeowners unable to get cover at all), but Insures are stipulating conditions that home owners and businesses are required to implement in order to take steps to minimise potential loss. Get advice as to how to protect your property from the Environment Agency. The Statement of Principles agreement, which some insurers subscribe to currently commits these insurers to offer flood cover in high-risk areas, but this is to be reviewed in 2013 and may leave many more homes and business without cover.

Whilst coming to terms with a flood, especially one in which you have not had the time to prepare against is traumatic, having someone on hand to deal with you insurance claim and knowing that at least all aspects of your loss will be covered and your property will be correctly dried and reinstated gives peace of mind and saves additional stress. See how AJC Consultants can be of assistance.