IN broker circles flood and subsidence insurance are mentioned in the same sentence as close bedfellows. They are two of the more specialist insurances and many people that suffer a flood may also be bitten by subsidence at some point.
It makes sense as running water can damage foundations, walls and infrastructure of a property. When that happens the chance for walls falling apart is much higher. Generally subsidence needs a reason to happen and the key culprit is flooding and damaging water runs or alternatively very severe weather with wind or cold temperatures (when ground heave can occur and split foundations).
What this means is that a good specialist provider for flood insurance will more than likely be able to supply excellent subsidence insurance as well. The insurer the broker uses will be open to these sorts of risks and understand not only the relationship but also the real risks behind the cost of the policy.
Big brand name, television-advertising insurers are unlikely to be able to cope with flood or subsidence or flood cover easily. The fact is they are geared up with big call centres and standardised websites designed to capture as many average home insurance customers in as short a period of time as possible. This is not what is needed to provide competitive and realistic specialist insurance.
To get the right level of insurance for flood and subsidence the broker is likely to ask a lot more detailed and specific questions. This is normal and doesn’t mean the insurance will cost more – quite the opposite – the answers will help him to beat any quote you’d get from a standard big name TV advertiser because he understands what is happening and what you need.
The message is simple, flood and subsidence insurance are closely related and both need specialist brokers to deliver the right policies at the right price. Try The Property Insurer today for access to the best specialist brokers in the UK who offer the best policies at the best prices.
If you need specialist insurance quickly then call: 0800 612 6549 now. You will speak to a real person who has years of experience with flood and subsidence insurance, been on BBC television and is a recognised expert in the provision of difficult policies. If you have a problem and are struggling to get cover then this is the answer.
The Property Insurer