The Problem
Imagine waking up to find your ground floor under six inches of water after a sudden downpour. For a couple in Oxfordshire, this nightmare became reality when a flash flood overwhelmed their home – ruining flooring, electrics, and furniture in minutes.
Why It Mattered
The damage cost over £25,000 to repair. Worse still, their insurer initially refused the claim, stating “inadequate flood protection measures” at the property.
The Backstory
Despite being on a floodplain, the couple had never been warned about the risk. They had taken out a standard home insurance policy without realising flood exclusions applied.
The Solution
Insurance-Desk stepped in to review their cover, challenge the rejection, and secure financial support. We also advised on installing flood boards and checking future policies for robust flood clauses.
What We Offer
We tailor insurance for flood-risk areas, ensuring cover is comprehensive and compliant with the Flood Re scheme.
Your Next Step
Concerned about floods this autumn? Call 01296 329610 or email info@insurance-desk.com
for a free flood risk review.