We will explain the problems you may face and how to deal with them.

We will explain the problems you may face and how to deal with them.

Flooding
How can I tell if I live in a flood prone area?

You can check by visiting the Environment Agency website, the Scottish Environmental Protection Agency, or the Northern Ireland River Bureau. In the three maps there is a map showing the areas where there may be the dangers of river and sea flooding. This should give you a good idea.

What is the flood of groundwater? Am I covering it?

Groundwater flooding occurs when precipitation areas rise due to heavy rain and rainwater and drainage networks do not function properly. According to the UK groundwater forum, thousands of houses are flooded like this every year.

However, many insurance companies do not cover groundwater flooding and, to make matters worse, do not distinguish clearly between what is included in the insurance policy and what is not in the insurance contract. If you think that you live in an area where there is a danger of groundwater flooding, please call the insurance company before purchasing to make sure you are subscribing for insurance.

Details are here: Best and worst housing insurance - the largest insurance company rating

If I live in a flood prone area, will I have trouble entering the door?

Today, as a Statement of Principles between insurance industry and the government, insurance companies are required to provide housing that is at risk of flooding, as long as the government continues to provide funds for flood protection in that area It can not be refused.

However, in dangerous families, in April 2016 a new system of flood reinsurance was launched in order to provide homeowners with flood damage at a more affordable price.

Government-supported schemes should reduce the burden the insurance company should pay with flood insurance and make the insurance affordable for these lives in areas of high flood risk.

If you live in a region of high possibility of flooding, you should be able to help the following companies find affordable home insurance: Admiral, Avantia, Aviva, Bank of Scotland, Cherish Home Insurance, Churchill, Direct Line, First Direct, Halifax, HSBC, & General, LV, Lloyds Bank, above, nationwide and privilege. It is expected that more companies will live in the near future.

You can purchase covers as usual via comparison sites or directly.

Although the insurance industry pays this system, some expenses are expected to be delivered to customers. The average cost of the policy is estimated to increase by 10.50 pounds.


How can I protect myself from the flood?

There are many measures to protect your house from floods as follows.

• Replace timber floor with concrete and cover with tiles
• Replace chip board / MDF kitchen and bathroom unit with plastic equivalent
• Movement of boiler and electric points far above the potential flood level
• In order to avoid backflow of sewage into the house, install a one-way valve in the drain pipe.

If floods are imminent, you can minimize the damage as follows:

• Clean all debris from drains and drains to reduce precipitation
• Safely fix outdoor furniture that floats or blows away
• Place valuables, electrical goods, important documents on the second floor or high shelf
• Purchase air brick covers and flood boards to block entrances
• Create a list of emergency numbers including your local council, insurance company, and flood line (reachable to 0345 988 1188).

subsidence
What is sedimentation?

Sinking occurs when the soil (usually clay) in which the house is built contracts or expands according to the weather. Movement of the ground may damage real estate and problems often get worse due to extreme weather such as cold snaps, dry summer, heavy rain and the like.

How can I find a subsidence?

Cracks appearing on the wall are usually signs of settlement, but it may be caused by some other cause. Your property may be experiencing "settlement" that happens when the building settles down by its own weight. This is common in new buildings and extensions.

However, if new or expanding cracks appear, doors and windows do not stick for special reasons, moisture will not undulate the wallpaper. There is a possibility of sinking.

What is the impact on my home insurance?

Normally, damages to your estate due to sinking are covered but usually there is an excess of over £ 1,000. Also note that building policies usually cover only the damage of sinking to home. Patios, garden walls, roadways, swimming pools are not normally covered unless your house is damaged at the same time. Damage to gates, fences, storms against boundary walls is not normally covered.

However, conditions concerning sinking vary from insurance company to insurance company, so please check the policy document carefully if you think you need to charge.

If you make a sinking allegation in the past year and are currently switching, many new insurance companies

Many new insurance companies will decline you if you are making a sinking allegation in the past year and are currently switching. The Royal Institute Chartered Surveyor provides further practical advice and can be recommended to experts if you believe your property is sinking.

Can I reduce the risk of sedimentation?

There are several measures to mitigate the risk of the victim sinking. They will take a considerable amount of water from the soil, shrink it and ensure that you keep the pipes around your estate properly, so try not to plant trees too close to your property please. Leaked water can wash the soil from the soil.