AS the news about flooding continues in the UK, it is apparent that the best defence you can have against the massive financial losses is flood insurance.
Hundreds of homes have been evacuated and the news is filled with stories of people seeing water come into their homes and totally destroy everything. Apparently it doesn?t look too bad when the water goes but then they say the smell starts to set in and everything from plaster to floors to all belongings need to be replaced.
That is incredibly expensive to put right and I?d venture to say nearly impossible to do unless you are mega rich or have insurance in place.
Just add up the numbers. How much to take the entire bottom floor of your house and strip it back to the walls and concrete and then rebuild it and replace the contents. I don?t live extravagantly but I?d say somewhere in the region of ?30,000 for my own home. I can?t afford to find that sort of cash if the floods come in.
And where do I live when the work takes place and who will pay for that? I can?t afford to leave my home and rent another one. Again, this is where good insurance steps in to the rescue.
So flood insurance is the best option by far. If you buy it from a specialist then it will reflect the real risk of flood that you face and cover you in case the worst really does happen ? as many people are finding out this week in the UK.
There?s little point going to a standard big name home insurer looking for specialist flood insurance cover, as they cannot deal with it.? They are geared up for normal homes with normal risks, flood insurance does not come under that ? it is unusual and has an extremely high cost per claim ? it is bad for business if you are selling standard policies as it can make losses.
Go to www.thepropertyinsurer.co.uk and click on the flood insurance button. After reading the advice (if you like) you can compare three flood insurance providers on their prices and policy coverage after filling in a short form that takes around 2-minutes.
The specialist flood insurers may call you or email you to ask additional questions about your property or any previous flood claims and you should take the call. They are asking questions to try and reduce the cost of the insurance to you.
Once you have the quotes, choose the one best for you and buy it, it is as simple as that to get good specialist flood insurance ? and you?ll not find it any easier anywhere else.
Jason McClean
The Property Insurer
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Published Date: 27th September 2012Category: General
Source: http://www.thepropertyinsurer.co.uk/blog/general/flood-misery-insurance/
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