House Insurance
"When it rains or snows, some of the water is retained by the soil, some is absorbed by vegetation, some evaporates, and the remainder, which reaches stream channels, is called runoff. The amount of runoff depends on the soil type, catchment steepness, drainage characteristics, agriculture and urbanisation as well as the wetness of the catchment.
The rivers both convey the runoff to the sea, and store water temporarily when the level rises. When water can no longer be removed or stored by the river, flooding occurs and the excess water is stored until it can be removed. Periodic floods occur naturally on many rivers, forming an area known as the flood plain.
In upland rivers, the flooding is usually temporary. The river capacity is increased by overland flow along the flood plain as well as the increased depth of the main channel, and the flood begins to subside as soon as the peak runoff has passed. A flood that rises and falls rapidly with little or no advance warning is called a flash flood. Flash floods usually result from intense rainfall over a relatively small area.
More prolonged flooding can occur in lowland rivers, where the gradient is much flatter, possibly only a few inches per mile. There, downstream flooding can prevent drainage of areas upstream, leading to ponding of the water discharging from higher up the catchment in the flood plain.
These events are natural. Rivers are naturally occurring drainage systems, which have evolved to convey the flows arising most of the time."
Living in a waterside property means that you are of course faced with a risk of flooding and this can make securing property insurance that much more difficult. At Waters Edge Homes we have sourced a home insurance provider that should be able to cater for your insurance needs. Here follows an advertisement from homeprotect.
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homeprotect is an award-winning home insurance service designed to be as inclusive as possible and cover you irrespective of what your circumstances are. So this means that properties which have previously flooded, or are at risk of flooding, can be covered.
• We quote when others won't – 99.5% of all circumstances catered for*
• Immediate cover often available – either online or over the phone
• Home insurance underwritten by established, reliable insurers including at Lloyd's of London.
• UK helpdesk - friendly, professional home insurance team
* Based on sample taken in June 2011
Call 0845 838 4250 for a quote or go online to www.homeprotect.co.uk/watersedgehomes
homeprotect have produced a very useful e-book entitled ‘The Definitive Guide to Flooding’ to help you know the risks and how to live with the immediate effects of a flood. Get your free copy here.