Sorry for long post.
In 2009 our house was flooded. As it was a small old cottage with substantial flood damage, a dodgy roof and mould growth on mass concrete walls we knocked this house and received planning to build a new dormer house a meter higher. We moved in at the end of 2011.
We have had this house insured with our original insurer. I (stupidly) forgot about renewing our house insurance last December. It popped into my head yesterday so rang first thing this morning to have it confirmed. The company have provided a new quote (870 instead of renewal quote of 600). A costly mistake but entirely my own fault.
As there is a 14 day cooling-off period I intend to ring around on Monday to see if I can get a better quote.
How do I answer has this property ever had a flood claim? I believe I tried to get a quote in 2012 and explained the situation and underwriter would not quote. This property was constructed in 2011 and when the water was high last year (as bad as 2009) it came to 2nd step of 7 to our patio area so we have lifted ourselves well out of harms way. On the flood maps that have recently been drawn up our property is not at risk of flooding. I obviously want to be truthful but this is a new property with no history of flood damage.
Should i just accept that my mistake has cost us 300 as if I say we had flooding I wont get a quote and if I say we have not had a flood that could be challenged if we have a claim? AA online give a quote of 570.
Advice welcome.
In 2009 our house was flooded. As it was a small old cottage with substantial flood damage, a dodgy roof and mould growth on mass concrete walls we knocked this house and received planning to build a new dormer house a meter higher. We moved in at the end of 2011.
We have had this house insured with our original insurer. I (stupidly) forgot about renewing our house insurance last December. It popped into my head yesterday so rang first thing this morning to have it confirmed. The company have provided a new quote (870 instead of renewal quote of 600). A costly mistake but entirely my own fault.
As there is a 14 day cooling-off period I intend to ring around on Monday to see if I can get a better quote.
How do I answer has this property ever had a flood claim? I believe I tried to get a quote in 2012 and explained the situation and underwriter would not quote. This property was constructed in 2011 and when the water was high last year (as bad as 2009) it came to 2nd step of 7 to our patio area so we have lifted ourselves well out of harms way. On the flood maps that have recently been drawn up our property is not at risk of flooding. I obviously want to be truthful but this is a new property with no history of flood damage.
Should i just accept that my mistake has cost us 300 as if I say we had flooding I wont get a quote and if I say we have not had a flood that could be challenged if we have a claim? AA online give a quote of 570.
Advice welcome.