Tag Archives: government flood

Planners, Developers & Architects should be held legally liable when family homes are flooded !!

In August 2012, Professor David Crichton, an expert on ‘Flooding issues’,  updated his earlier academic paper stating that England should copy Scotland in flood risk prevention.  He calls for planners, developers and architects to be “legally liable when people are flooded” this he says is a way of preventing further high risk flood zone and flood plain development. Continue reading Planners, Developers & Architects should be held legally liable when family homes are flooded !!

Homeowners in the highest flood risk properties could lose their insurance

13 June 2012 “This is Money” report says “As flooding hits Britain again, homeowners face big bills and a timebomb ticking for future insurance cover. Already some customers are finding they are being quoted huge flood excesses of as much as £10,000 and extremely costly premiums”. Continue reading Homeowners in the highest flood risk properties could lose their insurance

Wales flooding-09 June 2012: Residents left devastated by floods

Wales flooding: Residents left devastated by floods.

Residents caught up in severe overnight flooding in mid Wales have spoken of the speed the floods hit. Report by BBC News.

Villages in Ceredigion have been cut off with houses and four caravan parks being flooded. Emergency services have helped at least 150 people to safety with several being rescued by helicopter. Stephen South, owner of Riverside Caravan Park in Llandre, near Aberystwyth, described the situation as “very, very frightening”. “I’ve lived on Riverside for 22 years but I’ve never witnessed anything like this before. We have nothing. The only clothes we have is what we’re standing up in, but we’re safe and that’s all that matters” Continue reading Wales flooding-09 June 2012: Residents left devastated by floods

Mortgage lenders join call for clarity on flood insurance

Mortgage lenders join call for clarity on flood insurance

3 May 2012 |By Newsdesk

Affordable insurance ‘key to stable housing market’ says lenders’ association

The Council of Mortgage Lenders (CML) has added its voice to the call for greater clarity on future availability of flood insurance in risky areas. Continue reading Mortgage lenders join call for clarity on flood insurance

Is it Possible to Have Sustainable Flood Insurance without Sustainable Flood Risk Management?

Like Ireland and Queensland, England has yet to adopt sustainable flood management practices on any large scale. Indeed land use planning is becoming less regulated and is likely to result in even more inappropriate development in flood hazard areas under the new National Planning Framework: says Professor David Crichton MA(Hons), FCII..Chartered Insurance Practitioner. Continue reading Is it Possible to Have Sustainable Flood Insurance without Sustainable Flood Risk Management?

Inappropriate development in areas at risk of flooding should be avoided says Government

The Government produced is much discussed bill on planning policy yesterday the 27 March 2012.
Accompanying the formal document is the “Technical Guidance to the National Planning Policy Framework“. This is the ‘cheat sheet’ which directs all users on how to do things!!
It is very interesting to note that following paragraph one (1) the Introduction paragraph which basically says “here is the future planning policy”. Paragraph two (2) immediately starts by saying:
As set out in the National Planning Policy Framework, inappropriate development in areas at risk of flooding should be avoided by directing development away from areas at highest risk, but where development is necessary, making it safe without increasing flood risk elsewhere.

Obviously the government cannot say “do not build on high risk flood zone”  because most of the south east and a lot of other areas of this Island of ours is designated as a high risk flood zone. And some people actually wish to live there, rather that the wonderful hilly, undulating landscape with plenty of land not subject to flooding county of Cumbria.

Social justice and the future of flood insurance

Joseph Rowntree Foundation says: Catastrophic flooding events have become increasingly frequent in the UK and, with climate change, are likely to become even more frequent in the future. Page 13 of this document states: In England roughly 10 per cent of new build is in flood plain. In contrast, in Scotland there has been no new build in flood plain since 1995. The extent of new build in flood plains in England, in particular, (see Table 1) and the absence of regulations on flood resilience in building raise serious problems.

Governments Response to Pitts Review summer 2007 Floods – 2012 Final Report

Pitt says in 2007: There should be a presumption against building in high flood risk areas

Government says 2012: Government continues to recognise the importance of preventing unnecessary building in areas of flood risk and that new development that does take place should be safe and not increase flood risk. Continue reading Governments Response to Pitts Review summer 2007 Floods – 2012 Final Report

Government may now be unable to complete flood infrastructure

The UK has suffered the driest 18 months since records and with the south east and east Anglia already officially in a state of drought the Association of British Insurers (ABI) is warning home owners to be aware of the risk of subsidence.

Additionally the government may now be unable to complete the necessary flood infrastructure due to lack of funds which will make it difficult for owners to purchase insurance cover if the government fails to build flood-control infrastructure.. Continue reading Government may now be unable to complete flood infrastructure

High-Risk Stakes on Flood Insurance

Flooding is the biggest environmental threat facing the UK, according to Defra chief Scientist Sir Bob Watson. The risks of flooding are projected in increase significantly across the UK. The landmark Climate Change Risk Assessment, published earlier this year, set out a clear case on the scale of the risk facing the UK from climate change and increasing flood risk. This is not news to the many communities already facing heightened risk from flooding. Full article 08/03/2012

Catastrophic losses possible says Joseph Rowntree Foundation

Joseph Rowntree Foundation says on 07 March 2012: Flood insurance changes could bring ‘catastrophic losses’

As early as next year (2013), up to 200,000 homes in the UK could find themselves effectively uninsurable against the risk of flood. Continue reading Catastrophic losses possible says Joseph Rowntree Foundation

Councils MUST Stop Foolish Housing Developments in High Flood Risk Area says Insurers

BBC News 27 February 2012: Nick Starling, Director of the Association of British Insurers, said members were determined that flood insurance remained as “widely available and competitively priced” as possible but local authorities need to ensure that there is no more foolish housing development in high flood risk areas. Up to 200,000 homes could struggle to get insurance against flooding next year, according to council leaders.The Local Government Association (LGA) wants to replace a soon-to-expire ‘safety net’ covering flood-risk areas. Continue reading Councils MUST Stop Foolish Housing Developments in High Flood Risk Area says Insurers

Don’t Build on Flood Zone says Environment Agency

The Environment Agency being the British Government body required to control, monitor and advice on all matters affecting ‘Floods’ says : Get the location of new housing right: We need to avoid building homes in places where we will regret doing so, such as in areas at risk of flood. Continue reading Don’t Build on Flood Zone says Environment Agency

Uninsurable, Unmortgageable and Unsellable Homes

Families living in flood-risk areas could be left with uninsurable and unsellable home:  The town of Morpeth in Northumberland faced massive flooding in 2008, hitting 950 homes. Alan Bell, chairman of the Morpeth Flood Action Group, says many locals have been unable to sell their homes because they cannot get affordable home insurance. Continue reading Uninsurable, Unmortgageable and Unsellable Homes

Jamie Reed M.P. fears communities becoming not just uninsurable, but unmortgageable

Copeland MP Jamie Reed, Labour’s shadow floods minister says, “Cancelled flood defence schemes and changes to flood insurance are causing communities up and down the country to begin to fear for the future. The fear among many is that Government action will lead to whole communities becoming not just uninsurable, but unmortgageable. Continue reading Jamie Reed M.P. fears communities becoming not just uninsurable, but unmortgageable