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8,000 At Risk of Flooding in Cornwall
11:26am 1st March 2012
(Updated 11:26am 1st March 2012)
The number of homes and businesses at 'significant risk' of flooding in Cornwall sparks insurance fears.
The Environment Agency says it is almost eight thousand.
Kim Barker's pubs at Mevagissey and Pentewan were washed out twice in the same year.
She could not renew her policy: "Because I'd been refused for insurance, that made it more difficult to try and get a policy. The excess now is ten thousand pounds and it's twenty-five percent increase on the premiums that I had from the year before.
"It probably costs about fifteen/sixteen thousand to get the business back up and running. So when you're looking at a ten thousand excess, it almost makes you think, well, we've got to do it and we are covered but it's a massive, massive worry for if anything was to happen again".
The Association of British Insurers is working with the government to try to tackle the problem.
Nick Hatch from Cornwall broker William Rogers says, "The issue that the insurance industry's facing at the moment is the government funding for flood defences is regularly under review. I don't think as much is being spent as quickly as it needs to be. We are seeing, with global warming, more of these flood events happening more frequently.
"The government does need to act and the local authorities need to be looking at how they can not just spend more money, but how they can manage the environment locally so that things are better for the future for long-term, not just short-term fixes".
- Check with your broker to make sure your cover's in place and ask how your insurer would handle a claim.
- Look at your own risk and see how you can improve your situation, like sandbags and moving furniture etc.
- Lobby the local authority and MPs to find out what they're doing in terms of improving flood risks.
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