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ArishMell · 70-79, M
No, I live close to the coat but there is a river only a couple of miles away.
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A friend living on the flanks of the Pennine Hills in NW England, told me of a bizarre argument with his home insurer over this. It wanted to jack up the premium thanks, it claimed, to the flood-risk.
Querying it, he was told according to some officially-made map bearing lines paralleling river-banks to some distance away, and calling the enclosed area prone to floods.
He pointed out that yes, he does live within that distance.... but up on the valley side nearly 200 feet above bank level!
I can't remember if he won the argument, or even if it had been resolved at the time. However, insurers are not noted for technical or local knowledge, nor sense and initiative, and these ones had relied on "information" prepared by some over-worked official apparently unable to read an Ordnance Survey map!
.
A friend living on the flanks of the Pennine Hills in NW England, told me of a bizarre argument with his home insurer over this. It wanted to jack up the premium thanks, it claimed, to the flood-risk.
Querying it, he was told according to some officially-made map bearing lines paralleling river-banks to some distance away, and calling the enclosed area prone to floods.
He pointed out that yes, he does live within that distance.... but up on the valley side nearly 200 feet above bank level!
I can't remember if he won the argument, or even if it had been resolved at the time. However, insurers are not noted for technical or local knowledge, nor sense and initiative, and these ones had relied on "information" prepared by some over-worked official apparently unable to read an Ordnance Survey map!