RISKY BUSINESS – IS YOUR HOME AT RISK OF FLOODING?

flooded-house

Home is where the heart is… not to mention all of your hard-earned furniture, technology, and reams of valuable personal possessions. Nothing could be more devastating than a bout of adverse weather flooding your house, causing devastating damage to both property and possessions. Yet a recent study by the Association of British Insurers (ABI) has revealed that fewer than one in three people researched the flood risk of the property before buying their current home.

The insurance industry hopes to raise buyers’ awareness of flood risks by introducing a set of traffic light-style green, amber and red symbols on property adverts, aiming to inform or warn buyers of the properties’ status before they buy. It has been predicted that one in six properties would be labelled amber or red.

Unsurprisingly, this idea is less than desirable to estate agents, who have voiced fears that potential buyers may be put off from viewing those properties deemed at risk, and possibly rendering a section of the market unprofitable.

However, the proposal may be a positive step towards raising awareness and motivating homeowners to protect their properties. In order to provide full and accurate cover, insurers need to assess the likelihood of incidence and severity. Although flood insurance usually forms part of buildings and contents insurance policies, areas at risk of flooding will likely have much higher premiums or need specialist cover.

Last year, extensive flooding across Northern England topped £5bn worth of damage, with up to £1.5bn insurance claims made as a result. Director of general insurance at the ABI, James Dalton, said: “As the floods of last winter reminded us, being flooded is horribly traumatic and can leave people out of their home or business for months. Anyone whose property is at flood risk needs to be aware of that, so they can take steps to protect themselves.”

Considering whether that seemingly perfect new property is on a flood plane is often not at the forefront of buyers’ minds. Purchasing a house is an exciting time, and with plenty to sort out it often gets forgotten, unless it gets flagged during searches.

So what can you do to make sure your home is safe? Whether or not you feel your home is at risk of flood damage, checking the flood terms of your home insurance is vital to feeling you would be covered should it happen. Remember that obvious bodies of water are not the only clue to look out for – in fact, the Environment Agency estimates that there are 5.2 million properties at risk of flooding in England from either rivers, the sea, surface water or various combinations.

Read your policy documents to ensure you know what you can and can’t claim for. You may be able to get damaged items replaced or be helped with the cost of builders and professional clean-up services. Before the loss adjustor visits your property, it may be a good idea to take photographs and video of the flood damage and list details of what’s been affected.

If you are currently buying a house, make sure you do as much research as possible into the property and area beforehand. The Environment Agency provides flood risk information broken down by postcode on its website. A broker, such as InsureEasy.co.uk, could offer a helping hand should you find that your insurance needs might be a little more complicated as a result.

 

Contact use today on 01737377250

RISKY BUSINESS – IS YOUR HOME AT RISK OF FLOODING?

WHY USE CISL? WE DO THE HARD WORK SO YOU DON’T HAVE TO!

Insurance Broker Advantage

Whatever type of insurance you’re looking for, arranging your cover through an independent insurance broker – rather than a do-it-yourself price comparison site – is your best bet when it comes to finding the right level of cover at the right price.

On the face of it, price comparison sites offer great deals, especially when cost is the main consideration. But dig a bit deeper, and there are lots of reasons why using a broker can prove a very wise choice. The main benefits include:

  • you’ll get truly independent advice from the professionals
  • they’ll work hard on your behalf and shop around to get you the best deal
  • experienced staff with specialist knowledge of their chosen insurance sector
  • a broker knows the insurance market and recognises when you’re getting value for money and can negotiate on your behalf
  • you get personal advice and support, and have an insurance expert “in your corner” with your best interests in mind
  • you can ask questions, air concerns and get advice and recommendations – but still have the final say
  • you learn about the pros and cons of each option in a way you can understand
  • unlike an agent, an insurance broker deals with many companies, not just one, so they can find you the best value
  • insurance brokers are extremely well qualified, and must meet very high professional standards
  • in-house claims support is available if the worst happens

The personal touch

There’s nothing quite like dealing with someone who takes the time to get to know you and your circumstances. Independent insurance brokers provide that personal touch. At the same time, customers still benefit from competitive rates and some of the best deals that the broker can negotiate because of their established relationships with the UK’s leading insurers.

For peace of mind and a great deal on your insurance, call your CiSL today on 01737 373222 or Visit http://www.cisl.co

WHY USE CISL? WE DO THE HARD WORK SO YOU DON’T HAVE TO!

Here are just a few reasons WHY to choose CiSL as your insurance broker!

Employers liability Insurance Cisl

Benefits of using Commercial Insurance Services Ltd 

Whatever type of insurance you’re looking for, arranging your cover through an independent insurance broker – rather than a do-it-yourself price comparison site – is your best bet when it comes to finding the right level of cover at the right price.

On the face of it, price comparison sites offer great deals, especially when cost is the main consideration. But dig a bit deeper, and there are lots of reasons why using a broker can prove a very wise choice. The main benefits include:

  • you’ll get truly independent advice from the professionals
  • they’ll work hard on your behalf and shop around to get you the best deal
  • experienced staff with specialist knowledge of their chosen insurance sector
  • a broker knows the insurance market and recognises when you’re getting value for money and can negotiate on your behalf
  • you get personal advice and support, and have an insurance expert “in your corner” with your best interests in mind
  • you can ask questions, air concerns and get advice and recommendations – but still have the final say
  • you learn about the pros and cons of each option in a way you can understand
  • unlike an agent, an insurance broker deals with many companies, not just one, so they can find you the best value
  • insurance brokers are extremely well qualified, and must meet very high professional standards
  • in-house claims support is available if the worst happens

The personal touch

There’s nothing quite like dealing with someone who takes the time to get to know you and your circumstances. Independent insurance brokers provide that personal touch. At the same time, customers still benefit from competitive rates and some of the best deals that the broker can negotiate because of their established relationships with the UK’s leading insurers.

For peace of mind and a great deal on your insurance, call CiSL today on 01737 377250 or visit http://www.cisl.co

Here are just a few reasons WHY to choose CiSL as your insurance broker!

Ever wondered how the Lloyds Insurance Market works?

Ever wondered how your insurance broker determines the price of your bespoke policy? Here is a short animation provided by one of our Markets demonstrating the quotation process. Remember not every policy is the same that why at CiSL we take pride in finding the RIGHT insurance at the RIGHT premium.

For more information on how we can save you on your renewal or new insurance policy simply call 01737 373222 and we will search the entire market to provide you with the a pleasant quotation

Please feel free to browse the wide variety of products we have to offer by visiting http://www.cisl.co 

Ever wondered how the Lloyds Insurance Market works?

How CiSL helps their customers

Here at CiSL we take great pride in assisting our customers from point of renewal right up until resolution of a claim. For more information on what we offer visit: http://www.cisl.co or call one of our Brokers today on 01737 377250 

How CiSL helps their customers

Worried about flooding? Here’s our guide to staying afloat

Are your most valuable belongings correctly insured? 

Are you correctly insured?
Are you correctly insured?

Flooding and adverse weather have affected much of the UK in recent years, submerging homes and devastating towns and villages along the way.

Although weather warnings give a heads-up when heavy rainfall is expected, they cannot prepare you for the aftermath.

If you are hit by flooding and your property is damaged, flood insurance will compensate damage costs and ensure that you aren’t left out of pocket. Flood insurance is available in all shapes and sizes, so don’t let the cheapest deal lure you in; speak to a professional insurance broker for expert opinion and guidance.

Another thing you can do if you’re at risk of flooding – as recommended by the Environment Agency – is create a ‘response plan’. By taking precautionary measures and following simple best practices you’ll not only save money and time, you’ll protect your home’s contents too.

When taking out flood insurance the key thing to remember is risk; which specific areas of your property are at risk, how location could be a factor, and how quickly you could recover if the worst did happen.

You can take every precaution to limit the damage caused by floodwater, but it’s important to never assume that you’re completely flood-proof. Almost 8,000 residential properties were affected by floods in 2012 and the Environment Agency issued a record 1,000 flood warnings throughout November and December. The AA responded to more than 8,000 calls from motorists, six times higher than in 2011, and 16 times more in the south-west. The cost of the clean-up is in billions.

If your residential property is close to estuaries, riverbanks or sewers, it will be extremely vulnerable to high groundwater levels and you may therefore need certain terms including in your policy.

For more information on protecting your home from flooding, and to find out more about the types of cover we provide, contact us today on 01737 373222 and an experienced advisor will assist you with all you insurance needs. For information on other products we provide please visit http://www.cisl.co

Worried about flooding? Here’s our guide to staying afloat

Severe weather warning!

Violent storm/storm force winds will affect the UK, between the evening of Wednesday 14th and Thursday 15th January. Heavy rain will also affect western Britain, particularly western Scotland.

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Preparing for high winds

Your brolly’s inside out, you’re leaning into the wind to walk but getting nowhere while rain lashes, sticking your clothes to your body. That’s stormy weather for you.

A broken brolly’s not the end of the world and clothes dry out, but when winds are strong enough to damage your home it’s often a bit late, let alone dangerous to start climbing a ladder to do that repair to the garage roof you’ve been meaning to tackle for ages.

So before the wind really starts to blow, it makes sense to do some quick checks around your property to help prevent storm damage. It’s worth bearing in mind that insurance won’t cover you for damage that’s down to poor maintenance.

The first place to start is to have a look at the roof – call in a professional for them to check if there are any tiles missing or loose.  If you have a low roof you could check yourself or ask a friend to. Pay particular attention to garage, sheds and flat roofs. Wear and tear to these roofs may mean that they have become weakened and will be unable to support additional weight from snow, ice and broken branches.

Secondly, make sure your gutters, gullies and drains are clear; this will allow heavy rainfall and melted ice to pass through quickly and effectively. If drainpipes and gutters aren’t cleaned, water can become trapped in the cold weather and cause these to crack and burst. Before the wind gets going, you should also have a look around your property for any overhanging tree branches and loose debris that could damage your home in strong winds. Tree branches can be cut back and loose furniture can be stored inside.

Storms can vary in their severity, so it is important to always err on the side of caution and take any steps possible to reduce the damage caused to your property and vehicle. The Met Office has reported that gale winds are the most common cause of damage and disruption in the UK. In 2007, Hurricane Kyrill in the UK featured winds at speeds of over 80mph. Strong winds do occur in the UK, so it’s also worth bearing in mind the following top tips on how you can protect your home for more serious storms.

road-closing-due-to-flooding1

Be ready for the storm

If you have been warned or believe that a serious storm is en route…

  • Ensure any debris is removed from outside and that any loose items are secured or stored inside.
  • Make sure that all windows and doors are shut, and locked where possible.
  • Secure your car in a garage (if possible), but at the very least park it away from any objects including trees that may fall and damage it.
  • Organise where your family and any pets will be during the expected storm time, to ensure everyone is safe.
  • Storms can result in power cuts, so make a storm kit which includes torches, necessary medication, food, water and blankets etc.

Once the dust has settled

Depending on the severity of the winds, the post-storm clean-up can vary from small repairs to much bigger ones.

  • Avoid standing near walls, buildings and trees that may be prone to collapse following the storm.
  • Be aware of any loose electrical wires and cables that may have been damaged. Leave these for a professional to fix.
  • Contact your insurance company immediately if you think you need to make a claim.

Whether this year brings light winds or harsh gales, it’s good to prepare your home in advance. This includes making sure that you have the contact details for those you can contact in an emergency, such as electricians, plumbers, roofers, your insurer’s claim helpline and your brokers details.

www.metoffice.gov.uk/weather/uk/advice/storm.html

If you have any questions regarding your own insurance policy which we arrange for you, then please telephone 01737 373222 or email info@cisl.co

Severe weather warning!