At risk of flooding properties V insurance.

[**bustysinclaire**]

Does anyone know how easy or difficult it is these days to purchase buildings insurance for residential properties at risk of flooding?

Any info would be most appreciated, thank you.

[geographically*challenged]

Try these firms. Justl ook at the links and it may help

http://www.swintonspecialisthome.co.uk/flood-risk-insurance?gclid=CIvSyOSZn7cCFaTItAodLhIAYA 

Or

http://www.towergateinsurance.co.uk/home-and-property/flood-risk-insurance/?gclid=CLaojaean7cCFaTItA...

Or

http://www.insurancechoice.co.uk/flood-insurance?ad_id=gaw549&gclid=CNfF0vman7cCFVMftAodE3kAEw

You may get somewhere looking through those links.

Hope so.

[**bustysinclaire**]

Oh Tim thank you sooooo much those will be very very useful, most appreciated.

As a council tennent and not knowing house sale knowlege I am having to learn what is involved with selling a property etc to help my 85 year old mum out selling and buying hers.

I really have no clue so I do appreciate your time and efffort finding those links thank you so much.:-x

[barbara.1482]

Hi Busty, long time no see :^O

I've sold a few properties~ so If I can help you in any way just let me know, either on here or through Ebay messages B-)

[geographically*challenged]

Oh Tim thank you sooooo much those will be very very useful, most appreciated.

As a council tennent and not knowing house sale knowlege I am having to learn what is involved with selling a property etc to help my 85 year old mum out selling and buying hers.

I really have no clue so I do appreciate your time and efffort finding those links thank you so much.:-x

Pleasure  claire )

[**bustysinclaire**]

Hi Busty, long time no see :^O

I've sold a few properties~ so If I can help you in any way just let me know, either on here or through Ebay messages B-)

Hi Barbara 😄

And thanks.

I haven't a clue what I should be doing, mum needs to sell and downsize and she has spotted one or two bungalows. Apart from that we haven't done anything as we don't know where to start.

What do we need to do. My sis mentioned the thing about the flood, my mums house(old mill) is urrounded by water and has flooded last one in 1999, sis was pretty sure no-one likea to insure risk properties now,  but Tims link proves otherwise.

How do I proceed with selling?:O

[geographically*challenged]

Claire one thing you could do is decorate the house in neutral colours then paper where needed, Again in neautral colurs/  patterns.

Some paper that could be paperchip 9or whatever it called.

Also does your mums house have a grden?

If so if you coulfd tidy it up and possibly plant out again with neautral plants.

I know this is gonna cost you abit but you've got to spruce the house up if you can.

Then get one of those estate agents in to value the house.

It may be an idea to get 2 or 3 estte agents.

Get them to give you a price nd maybe come back here and we could help more if you'd like.

[geographically*challenged]

Hi Barbara 😄

And thanks.

I haven't a clue what I should be doing, mum needs to sell and downsize and she has spotted one or two bungalows. Apart from that we haven't done anything as we don't know where to start.

What do we need to do. My sis mentioned the thing about the flood, my mums house(old mill) is urrounded by water and has flooded last one in 1999, sis was pretty sure no-one likea to insure risk properties now,  but Tims link proves otherwise.

How do I proceed with selling?:O

But reading this i think you may have trouble selling 😞

I know from our house sale after subsidence it was looking as thoughit could be hard but I was able then and did the outside up.

We had a back yard but  turned it into a garden with fences round it that I put together.

The buyer said it was the garden that sold it even hough we had a new fireplace of pine in one room and a pine kitchen which was surrounded by orage woodchip.

I had looked at different colours and orange really set it off.

[barbara.1482]

Hi Busty, First it's important that you find out what similar properties are going for in the area  where you live, so as to ask a realistic price, sometimes a valuer will price a house a little too high, and that can leave it on the market for a lot longer than it would if you accepted slightly less, and encourage a quicker sale if that's what you want.

After it's been valued and you agree with the estate agent what your asking price is they will take photo's and measure the rooms in your house for their publicity/enquiries and also erect a for sale board. if you don't want people viewing the property at inconvenient times it's best to tell your agent viewing is by appointment only.

[barbara.1482]

Busty, Just read the bit of your post about flooding, I can't help you there as I've never experienced it :_| maybe an 'Insurance Broker'  would be able to advise you, but I would guess it would be rather costly.

[**bustysinclaire**]

Thanks Tim, good idea about neutral colours.

Yes there is a huge garden, couple of acres 😮

The house is great as all the flood damage was replaced and turned out better than was there originally, with the new for old thingy.

Thanks Barbara, does getting valuations cost or are they free?

[barbara.1482]

They're free, but it's best to get more than one valuation. Most agent's do this as they're hoping to win your instruction.

Any potential buyers will most probably get their own valuation anyway.

Or even get a 'Chartered Surveyor'  to inspect the property, as they're more thorough.:-)

[10phizz]

[quote mid="1701002536"]

Yes there is a huge garden, couple of acres 😮

.

Could you get planning permission if there are 2 acres? You need good advice from an experienced agent, not some uni whizz kid but someone who knows the local area well and if it would be allowed. Go and see a couple of agents, it may be that your mothers house will be knocked down if they put a development there, Be aware that some agents will buy and develop the site themselves....thats why you need more than one lot of advice.

[lhasa.two]

Yes there is a huge garden, couple of acres 😮

.

Could you get planning permission if there are 2 acres? You need good advice from an experienced agent, not some uni whizz kid but someone who knows the local area well and if it would be allowed. Go and see a couple of agents, it may be that your mothers house will be knocked down if they put a development there, Be aware that some agents will buy and develop the site themselves....thats why you need more than one lot of advice.

I doubt even a developer would knock down an old converted Mill, it may be listed.

You are right about getting good advice etc.

OP, suggest you get hold of your local papers who have advertising sections for property and take a look at the type of properties the agents sell. Some agents specialise in certain types of properties and if you don't see houses of a similar quality to your Mother's then best not to approach them for a price.

Your 2 acres could well be valuable potential building land, depending on its location.

A word with your local planning officer and an invitation to them to visit the Mill could be a first step. They are friendly at that point of contact and will give you advice but their advice must not be construed as a "yes" to development, but a guide.

 Do your homework and you should get a good result.

Appoint a good conveyancing solicitor from an established firm, preferably a Partner. Don't be persuaded to use a "Conveyancing" only outfit as when things get tricky they don't always have the experience to sort it out.

Going back to your original question about flood insurance.

After your mother's flooding in '99 I presume she continued to use her existing insurers?

If so, they could be recommended. I think finding a reputable insurance broker who has access to insurance companies that aren't always advertised on the open market may be a good way forward. You don't pay a broker directly as their fees are incorporated in the insurance premium. They are not generally high so no need to worry about approaching them and do tell them about the '99 flood claim. It's very important to be honest about these things as it could negate any insurance claim in the future if not declared at the time.

The second suggestion I can make is that when buying property I have taken out additional flooding insurance through my solicitor. This is especially relevant if the property is on or near a flood plain and it's difficult to ascertain the history. You can check your mother's property by putting in her post code on the Environment Agency web site. As it's a Mill she's obviously near water! Seems to me if it hasn't flooded over the last couple of years with half the country flooding, there may not be much to worry about.