Flood risk - Insurance issues

[Cora]

We have lived for over 20yrs in a first floor flat on Bassano Street.

I have always used the same insurance but decided to use my time at home to get a better deal.

Was already to sign up with a new insurer when they said that the underwriters had flagged up that we were in a flood plain?! so they could not offer me insurance.....I find this so weird as I have never in my time in East Dulwich seen a flood, as well as the fact that I am on the first floor...

Anyone know what this is about or overcome this problem?

Thanks

[L_M]

Hi,

Do you live in a block building or an individual flat*

There may have been a nearby flood claim in the last 3-5 years e.g. Basements can flood after heavy rain.

Your postcode may have flagged as being nearby a recent claim. It Doesn't just mean you live near a river!

Feel free to ask for more information from the broker or insurer.

Do shop around but make sure you understand what you are getting.

It's Usually cheaper to combine buildings and contents cover. * if in a block of flats the individual flats would usually need to take out their own separate contents cover but the building would be insured as one policy for all the flats.

Hope you find something that works.

Cheers. L

[RichH]

Cora Wrote:

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> Anyone know what this is about...

They may be referring to the River Effra which, although now part of the underground sewer system, isn't very far away and has been known to "rise up" on occasion after particularly heavy downpours.

[Cora]

Thanks - yes I was just after contents but I guess people with basements nearby may have had problems - thanks

[KidKruger]

Cora Wrote:

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..I have never in my time in East Dulwich seen a flood..

Nearest I've ever seen was about 17yrs ago, evening rush hour. I got on train at LB it was sunny. 11mins later got out at ED stn to a torrential vicious downpour, the area before the exit tunnel was flooded ankle deep, along LL (walking towards Bassano, same side) the water flowed down LL like a river and as it hit the corner kerbs of side roads like Chesterfield, it splashed up like happens on rapids. But that's not flooding, the water was clearly heading down hill to the roundabout, and the lowest point near Grove Vale.

First time I've been soaked so badly by rain that every inch of my body was absolutely soaked wet.

[katesonic]

You can search gov website for flood risk...

Looks like one end of Bassano has a high risk from surface water run off.

https://flood-warning-information.service.gov.uk/long-term-flood-risk/map?easting=533671&northing=174850&map=SurfaceWater

[Sue]

KidKruger Wrote:

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> Cora Wrote:

> --------------------------------------------------

> -----

> ..I have never in my time in East Dulwich seen a

> flood..

>

> Nearest I've ever seen was about 17yrs ago,

> evening rush hour. I got on train at LB it was

> sunny. 11mins later got out at ED stn to a

> torrential vicious downpour, the area before the

> exit tunnel was flooded ankle deep, along LL

> (walking towards Bassano, same side) the water

> flowed down LL like a river and as it hit the

> corner kerbs of side roads like Chesterfield, it

> splashed up like happens on rapids. But that's not

> flooding, the water was clearly heading down hill

> to the roundabout, and the lowest point near Grove

> Vale.

> First time I've been soaked so badly by rain that

> every inch of my body was absolutely soaked wet.

KK I remember that. I had to paddle through the water to get to the station.

I was going to a gig in a pub the other side of London.

I arrived absolutely sopping.

[SpringTime]

Bought a property much closer to the river near Burgess Park several years ago - flood plain flagged by solicitors and consensus that any threat's existence and risk/prognosis was negligible. No insurance or mortgage issues. Re-sale without issue.