Many of us take out house insurance and glaze over the question of whether we live near a body of water. Often it will come in the form of whether the property is within 50 to 100 meters of a body of water. A lot of people assume that this relates to a river, lake or sea but in fact a body of water can be as simple as a farm drain between two fields. Also, the body of water question is not the same as living in a flood zone. Many people who do not live in flood zones may be affected by living on land with a small stream or drain running close to their property. What is important to understand is that failure to disclose this will not only affect you in the event of a flood claim but will in fact allow insurers to decline any claim as this is consider a serious non-disclosure and Insurers can void the entire policy in such a case. This will then lead you to a further issue that you will then have to disclose to any new Insurer that you have had your policy refused or declined. If you are unsure about being affected by this condition or you want advice about your policy cover Freefone 1800 277377 and we will advise you how to ensure you are fully covered and not in breach of policy conditions.
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