Information you'll need to get insured
To get the best terms from insurers it is always best to be prepared to answer any questions they may have around the flood risk at your property.
Information commonly requested includes:
Proximity of water – how near the water is to your property and how high above the water the property is
History of flooding – detailed information of flooding in and around the area, no matter how long ago
What precautions have been taken since the area last flooded – be aware of any government schemes, such as the upgrading of flood defences
Flood claims history – if a claim has been made, details of the cost of repairs and what work was carried out
Insurance companies are always very cautious about flood areas and the more information you have at hand the better the understanding the insurers will have around the risk. This means you'll be more likely to secure greater levels of cover with lower excesses.