On 10/07/2012 12:59, Baz wrote:
harry wrote in news:3b2d004a-b1b2-4e87-877b-
:

On Jul 9, 10:58 pm, kay wrote:
Steerpike;963924 Wrote:

snipped

It is reprehensible to use someone's personal tragedy to forward your
arguments. there is a time and a place for everything.

What rubbish. He's just linking cause and effect.
The point is it's quite likely to happen again and Baz needs to make
his house flood resistant.

No, I don,t have to at all.

You would be well advised to though. And I thought that insurance
companies gave such advice after a flood to try and minimise recurrence.

It sounds to me like your insurance company gave you less than stellar
advice the previous time if you have been hit hard again so quickly.

The effect goes far beyond insurance, there is also property values
and saleability to tak einto account.

Baz may find he can't get insurance or can't afford it. In that event
he could find himself homeless if there was another flood.

You are wrong. I may not be insurable to new insurance companies NOW, but
my present one has to by law insure me if circumstances remain the same as
long as I carry out their essential preventative measures. After that I can
do what I like and be insurable. This, of course is dependant on
circumstances and mine are such that I am not in a flood area. Full stop.

What a strange law. Are you sure that they cannot simply price you out
of the market for example by doubling premiums annually or requiring
"essential preventative measures" too expensive for you to comply with?

Your flood risk is clearly not normal based on the evidence so far.

Everybody needs to try to work out what could happen if there was what
we now think of as extreme weather in their area and what precautions
they can take to mitigate the effects. I have already done this to my
house.

The extreme could well become the norm.

It is likely that in a warming world the atmosphere will hold more water
and so summer storms in the UK will in future pack more punch.

Ironic that it has now been raining almost continuously since they
announced the drought orders. It is taking its toll on summer events:

http://www.yorkshirepost.co.uk/news/...-off-1-4723067

Great Yorkshire Show went ahead today (sort of). Cleveland is cancelled.

--
Regards,
Martin Brown