Pirate FM News

Fears Over Flood Insurance

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Published by the Pirate FM News Team at 4:41pm 21st October 2013.

It is feared that some flood victims in Cornwall will not be able to get insurance.

A government deal will not cover newly built houses or domestic businesses, which includes bed and breakfasts.

Alison Avery runs The Cove B&B in Pentewan.

Her home, business and family have all been hit by floods: "It's the mud and the contamination that comes into your house. It's not just clear bath water you've got floating around - it's all the sewerage that comes in, the mud, the debris - it soaks up into the walls.

"Things like bedding and stuff - that can all be replaced, carpets can be replaced, furniture can be replaced but there's things that can't be. Things like your family photographs can't be replaced and all the insurance money in the world isn't going to bring those back. So you end up having anxiety attacks months later not realising that this is going to happen."

Matt Cullen from the Association of British Insurers says they have to draw the line somewhere: "The reason we're drawing the line where we are is because we don't feel there is a significant enough problem in the commercial market so we do want to make sure that the right people who actually genuinely need support, get that support."

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