Flood victims abandoned by the insurance lifeboat
Premiums rose 500pc for Beverley Morris after the last floods. Now she will miss out on the 2015 safety net scheme
By Dan Hyde
8:12AM GMT 08 Feb 2014
Beverley and Steve Morris are one of thousands of families on tenterhooks as the Government wrangles over details of an insurance scheme designed to protect houses at risk of flooding. Their property is a leasehold block of apartments – and it is unclear whether the plans will offer them, buy-to-let investors and larger houses an insurance lifeline.
Mr and Mrs Morris were victims of severe flooding in September 2012 when the River Swale burst its banks and engulfed the surrounding North Yorkshire plains.
The fire brigade arrived by boat to rescue all the residents in their converted 19th century mill in Topcliffe, where the couple have lived for a decade.
Like the households evacuated this week from the ravaged south-west coastline, the Morrises were forced into temporary accommodation while workmen repaired the water damage.
Mrs Morris, 56, said the flash floods came as a shock: despite living on the banks of the Swale, they had been unaffected by the stronger storms of summer 2007, when 48,000 homes in Britain suffered £3.2bn worth of flood destruction.
As the months passed, the families, pensioners and couples from the old Topcliffe mill were gradually able to return home and put the upheaval behind them.
However, they hadn’t bargained for a final blow. In February 2013, they were handed a near-500pc increase to their buildings insurance premiums, which were due for renewal. The floods had pushed the annual bill across the 12 properties in the converted mill from £4,916 to a staggering £23,750 – or nearly £2,000 each.
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http://www.telegraph.co.uk/finance/personalfinance/insurance/buildingsandcontent/10623864/Flood-victims-abandoned-by-the-insurance-lifeboat.html