an online article in The Guardian which purports to say that from June 2013 householders who have previously been affected by flooding should invest in their own defences." />

Flood insurance. What next?

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It seems that such properties will soon have trouble obtaining flood insurance or, indeed, any insurance at all. 
We all know that it is already difficult to get insurance for properties in flood risk areas.  If I have understood the proposals correctly, it is shortly to become even harder. There is currently an agreement between the insurance industry and the government that ensures that flood-hit householders can buy flood insurance.  This agreement ends in June next year.

Clearly, the agreement is not clear cut and it is not a one stop shop but, none-the-less, many thousands of householders will be affected by the decision not to renew.  After all, we are an island, are we not?

I am all in favour of preventative measures.  In my line of work, we are acutely aware of one's duty to take care for their own safety and that of others.  But I have to say that in such difficult financial times, it seems to me that yet again the man on the street is about to be hit. What do you think?  

Deborah Blackmore
Litigation Executive - Personal Injury team

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