Does Your Insurance Cover Flooding?

Considering the climate is ever changing and the majority of
the UK has in recent weeks (June 2007) been suffering from
unusual weather and in particular rain and storms, it is now
more essential and more important than ever that you know
whether or not you are covered by your policy for events such
as flooding.
Just recently many people have found that they didn't have the
valuable cover needed, while others were lucky and did, when
torrential rains hit the UK and homes were flooded and
possessions ruined. This one occurrence is thought to bring
around 1,200 claims on insurance for the ones that were lucky
enough to have cover.

However a sad fact is that while many people do have insurance
for their homes and believe that they are totally covered, a
staggering 257,000 of all claims against policies are turned
down every year simply because the home owner hasn't taken out
the right policy or they didn't bother to look at what the
policy did and did not cover and have found that they aren't
covered when it comes to making a claim.

One of the biggest reasons why adequate cover isn't taken is
due to the fact that the majority of people simply take the
cheapest policy they find while not looking at what the policy
entails. While of course everyone wants the cheapest premium,
it is also essential that you have the right amount of cover
for your needs, while savings are essential on your premium in
the long run cheapest isn't always the best.

When considering your home insurance the number one thing to
make sure of is that you have all the cover you need. Using a
specialist broker for your home insurance is the easiest way of
keeping the cost down and you are able to quickly and easily
make comparisons for the same coverage from the information
provided by them.

Always remember when comparing policies that they all have
hidden exclusions within them and it is essential that you
check these out, while one policy might offer the cheapest
premiums, it might not include the same cover that a more
expensive policy might and as such will cost you more in the
long run if you have to pay out for added extras.

About The Author: David Thomson is Chief Executive of
BestDealInsurance (http://www.bestdealinsurance.co.uk) an
independent specialist broker dedicated to providing their
clients with the best deal on their home, motor and life
insurance.

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