High And Dry Without Being Left High And Dry

Recent flooding is not only causing misery to individuals and businesses, it is also causing significant damage to property in terms of both damage to buildings and damage to land itself. As flooding and flooding risk rises to a high water mark on the political agenda, from a practical and legal perspective what can a landowner do in the event that it is affected by flooding?

I'm going under

The first port of call should be to check the terms of any property insurance. Flooding is generally an insured risk and, ideally, loss and damage to the building itself and its contents will be covered in the event of flooding. However, policies will contain exclusions and other terms and conditions, which could reduce insurers' liability. They may also contain warranties or promises that certain things will or will not be done and these require exact compliance or insurers may be able to claim they are off risk.