On Tue, 10 Jul 2012 13:37:10 +0100, Martin Brown wrote:

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.

They probably weren't expecting the 1:50 year event to happen again quite
so quickly...

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

Baz isn't in a recognised flood zone. It's unfortunate that there have
been two "freak" rain events close together. Taking the "1:50 year" event
that's just on average, nothing to say that the two events can't be 100
years apart or 24 hours.

--
Cheers
Dave.