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Do you want to avoid the floods?

View profile for Jess Birch
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The recent period of wet weather and subsequent flooding is a reminder to us all that the location of a property should be a relevant factor in any property purchase.

Many homeowners have not only had the contents of their houses destroyed but, worse, they have been unable to recover their losses because insurers have refused to insure their properties. Those who are insured may find that it will be months before their house is habitable again. Businesses in the worst hit areas also face similar problems.

Insurance companies have shown reluctance in the past to insure properties in flood areas and if the current wet weather is setting a trend for the future more and more properties could become uninsurable.

I and my colleagues in the residential and commercial property sectors use standard enquiry forms which request information from the seller on past flooding issues. We always recommend that an environmental search is made which, amongst other things, will identify areas prone to flooding. There are even specific reports which can be obtained if a property is identified as being in an area which could be liable to flood.

By obtaining and using the best information available at the time of purchase I believe that an informed decision will be a wise decision and avoid any heartache in the years to come.

The contents of this article are intended for general information purposes only and shall not be deemed to be, or constitute legal advice. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of this article.

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