It will not have escaped your notice that over the last couple of years it's got a bit wetter around these parts and many insurers have tightened their belts where the peril of flood is concerned. This is not without reason as floods have resulted in huge losses for insurers. Often though we are finding that many homes and businesses are being tarnished by the same postcode brush and penalised for the location of their house based on what might be happening at the end of the road.
The problem does not just stop with flood but other perils or negative underwriting factors. If for example one end of the street is situated on a cliff edge or next to a railway embankment then many providers will adopt the same attitude to your property which might be some distance away (but share the same postcode) as that which is more at risk.
We have several ways of dealing with this. We, as a broker can use our relationships with underwriters to discuss the issues and the positive factors pertaining to your property in order to obtain an agreeable rate. We also have a facility to provide cover for exactly this kind of risk so using our local knowledge and / or any evidence you are able to provide there should be no reason for you to be penalised for your neighbour his fishing lake half a mile down the road.
If you are in any doubt whether the deal you are getting on-line is reflective of YOUR risk and not your neighbours then you NEED to get in touch with US. For all kinds of property insurance of a personal or commercial nature including property under renovation please call us on 01753 881566.
