Flooding and Your Property

Latest blog from our Residential Conveyancing team.

The Department for Environment, Food and Rural Affairs (Defra) has launched a consultation on the regulations governing the proposed Flood Reinsurance scheme (Flood Re). The deadline for a response to the consultation is 16th September 2014.

Flood Re, which was first announced in June 2013, is the system preferred by both the Government and the Association of British Insurers to secure available and affordable insurance for homeowners whose properties are considered to be at a high risk of flooding.

Flood Re aims to protect many of those most at risk by limiting flood insurance premiums according to Council Tax bands. All households will therefore know the most they could be asked to pay.

To fund this, a new industry-backed levy would enable insurance companies to cover those at most risk of flooding. All UK household insurers would have to pay into this pool, creating a fund that can be used to pay claims for people in high-risk homes.

The broad scope of Flood Re and how it will operate was set out in the Water Act 2014, but before it can come into force (which is expected in July 2015), approval from the European Commission and the Prudential Regulation Authority is required.

Further details about the consultation can be found on the Government’s website here.

The Government particularly want to hear from groups and individuals who are at risk of flooding, along with those from the insurance industry and property and mortgage sectors.

It is estimated that almost one in six homes in England (more than 5 million properties) is now at risk of flooding. Heavy rainfall, high ground water levels and tidal and river flooding can cause surface water events that all pose significant threats to properties.

If you are concerned about the risk of flooding to your property please get in touch with one of our experienced residential property solicitors in our  Residential Conveyancing  Department.  We are able to carry out a GroundSure Flood Report search which analyses surface water flood-risk data, fluvial and tidal flood risk data, groundwater flood susceptibility data, flood defence details and flood risk insurability. The report is not simply a broad area assumption, but a detailed and dedicated assessment of a precise location.

At Myerson, we offer a prestige conveyancing service, providing the highest quality legal advice for discerning clients. Whilst our offices are easily accessible for people in the local areas including Altrincham, Hale, Bowdon, Sale, Timperley, Knutsford, Alderley Edge, Wilmslow and Prestbury, we also act for clients throughout England and Wales. Myerson are also accredited members of the Law Society Conveyancing Quality Scheme – the mark of excellence in the residential conveyancing process.

For further information on our prestige conveyancing services, please contact a member of our Residential Conveyancing team.


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