MANY people that call The Property Insurer looking for flood insurance are at the end of their tethers and simply cannot get a quote anywhere else. Fortunately they come to the right place and can get a quote without any problems in the vast majority of cases.
One person called and said he had a tiny brook running through the extremity of his garden 30ft below where his house was built. He had never flooded of had even the hint of a flood because of the drop but everywhere he went he was being hammered on price because he was so close to a water course.
This is understandable as the common practice is if you live near a watercourse then you are more likely to flood. The big insurers the sort you see on telly and top the advertising slots on Google simply follow the lemmings and dont consider there could be anything other than a higher flood risk. However, the example above shows that there is an exception as there always is to rules.
In this case the customer could speak with a real person who was an expert in flood risk insurance and receive a realistic price given the real risk.
Other people call The Property Insurer and say they cannot get insurance at all because of prior flood claims or where their property is built. They can be really struggling because without home insurance you can fall foul of your mortgage provider and are at risk of a complete loss in event of fire, flood, theft etc.
Again, by speaking with an expert flood insurer they can get quotes for their properties regardless of how bad their prior claims history has been. Just getting a quote is the first achievement.
The price of that cover will depend very much on personal circumstances. If a property has flooded in the past but now has flood defences in place and the customer takes a high excess, then the price will be significantly lower than someone who experiences floods every year it is common sense really.
But the core message here is whether you live in a flood postcode or have experienced the damage of a flood in the past whatever your experience The Property Insurer can help you get the right cover. Flood insurance really is not a problem and you can get a quote in minutes.
The Property Insurer