A quarter of flood claims risk being rejected

9 Mar

Story in Sunday Times “Money” section (no url, behind paywall).

Many insurers are refusing to pay out for flood damage for all sorts of reasons:  no cover for groundwater rising or any loss through water ingress that happens “gradually”.

The Association of British Insurers said:

“If it can be shown that flooding was caused by seepage of water from a nearby river, drains, or other cause over a period of time, it may be classed as a gradually operating cause, which is not generally covered by home insurance”.

The article went on to point out that there are also many exclusions to policies: some insurers do not cover flood or storm damage to gazebos, pergolas, arbours, gates, hedges, fences or damage causedf by “subsidence, heave or landslip resulting from storm or flood”.

Whither Feniton, one asks?


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