Professional UK Flood Risk Assessment Reports
In June 2007, many areas in the UK experienced
unprecedented, devastating floods. With over 55,000 homes and businesses
flooded (BBC) the cumulative claims to insurance companies was
estimated at £3 billion (BBC).
Tens of thousands of flood victims were forced into temporary accommodation
and almost a year on, some families were still living in cramped
conditions with very basic facilities.
The need for a Homecheck Professional
Flood Report when you are buying a home has never been more
compelling. Although a standard environmental report does provide
some flood information, only the property-specific Homecheck
Professional Flood Report features clear assessment and detailed
flood risk information from leading data providers as well as providing
a valuable insurability rating and information on past insurance
Why Insurance is Not Sufficient to Protect Against the Risk of Flooding
It is vital to have buildings and contents insurance, and ideally
this will at least repay the cost of building repairs and contents
replacement, following flooding. But insurance:
- Won't protect you against the distress or inconvenience caused
by being in temporary accommodation for lengthy periods.
- Won't protect you against
a potential fall in the value of their home.
- Won't stop future insurance
premiums rising exponentially e.g. a premium of £500 being
increased to £10,000.
Not only is it vital to be aware of current insurability
options on a property, but also about all types of flooding risk:
hence the importance of obtaining a Homecheck Professional Flood
Key Features & Benefits to a Homecheck Flood Report
Traditionally, flood risk assessment has been based on indicative
flood data. The Homecheck Professional Flood Report is able to differentiate
between properties within a flood plain, identifying, for example,
those properties on higher ground which therefore face reduced
or no risk.
In addition, the Homecheck Professional Flood Report
includes the following, making it the most comprehensive of all flood
risk reports on the market:
• NEW Surface
Water (pluvial) and 75-year return period data
Exclusive, ground breaking data on surface water run-off
(pluvial) flooding. According to the Pitt Review, 50% of the 2007
floods occurred away from EA floodplains, with 60-70% due to pluvial
flooding. Also, In addition to the 100 and 1000 year return periods
supplied by the EA, the report includes a 75-year dataset – this
is key as the UK Insurance industry (through the ABI) has committed
to providing flood cover as part of standard buildings insurance
in any location with a lower than 1 in 75 year flood risk.
• Norwich Union Flood Risk and
Indicates the likelihood that one of Britain's leading insurers would insure
your client's property. The data also gives a property-specific flood risk assessment
of both river and coastal flooding.
• Unique Flood Insurance
Claims numbers are a strong indicator of flood
risk. Our flood risk reports assess the volume of verified flood
insurance claims made in your client's postcode sector.
• British Geological
Survey (BGS) Susceptibility to Groundwater Flooding
Your clients don't need to be near a river or the sea to be flooded.
This valuable data identifies
where groundwater flooding could potentially occur.
• BGS Geological Flooding Indicators
Past flooding gives a strong clue to where flooding may occur in
the future. BGS identifies geological deposits associated with
flooding to show where potential future flooding could occur.
• Official Environment
Agency Data on Flood Risk
The report also includes key flood data from the UK
government sanctioned source.
• Up-front Flooding Assessment
Colour coded assessment on the introduction page shows you whether
any issues are present.
The Homecheck Professional Flood Report is
available at just £16.15
(plus VAT). To place an order or for more information please contact
0844 845 9921 or email email@example.com. You
can now order directly online at www.homecheck.co.uk.