The current situation brings to mind Paul Dale’s 09 report of an in-depth analysis for the Regional Assembly. in which Birmingham, Herefordshire, Warwick, Worcester, Wychavon, Tamworth and East Staffordshire were highlighted as areas at high risk of flooding:

“Birmingham heads a list of West Midlands cities and towns likely to be increasingly at risk of acute flooding over the next 20 years. The impact of climate change and freak summer storms will be made worse by plans to build up to 445,600 new homes across the region – with many of the suggested development sites already having a history of groundwater flooding.”

The National Flood Forum, a charity dedicated to supporting and representing flood risk communities,  would welcome any details from readers about their situation in order to get a clearer picture of what is happening in the Birmingham area.

The NFF warns that – as reported today in The Timeshundreds of thousands of householders in areas are at high risk of flooding face losing their home-insurance policies next year unless the Government finds extra cash to rescue the industry. Talks between insurance chiefs and ministers, which have lasted for months, are on “the brink of collapse”.

As hundreds of homes in the Midlands and the South West were deluged by floods, the National Flood Forum has hit out at Government and the Association of British Insurers (ABI) for failing to secure an agreement on the future of flood risk insurance.

It warns that the Statement of Principles covering flood insurance runs out in June next year and states that many insurance companies are making plans that assume there will be no agreement, continuing:

“The consequence will be a free-for-all where insurance companies are free and refuse insurance to anyone who is at high risk.

“Chairman of the National Flood Forum, Charles Tucker, said “This is kicking people when they are down. Every one of those 816 households is likely to have a nasty shock when they come to renew their insurance. Many that have flooded before could now find it difficult to get insurance, at any price.

“It’s bad enough just to be flooded. Being hit with a 4-figure insurance premium adds insult to injury. And being refused insurance could spell financial ruin for thousands. Every household and community hit by flooding is relying on them to ensure that flood risk insurance is available to all, is affordable, and is based on social justice.”

The Flood Forum asserts that it is Government’s responsibility to ensure that a clear framework is in place with the insurance industry for flood risk insurance. Failing agreement, a completely free market will leave many thousands of high risk properties unable to obtain insurance in future years. It’s now time for action.

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