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Obtaining flood insurance in high risk areas

The benefits of nonemergency fund operations are the services that come out of the infrastructure they build, not the income generated during construction for carpenters and bricklayers. In evaluating fund projects, the value added as a result of the extra services coming from the project should be considered. This distinction is relevant for projects that upgrade or replace infrastructure, as op- posed to those that build new infrastructure. To assess the value that is added as a result of a project, the service available before the project must be compared with the service available after the project. It is the improvement in the service that emanates from the project. | Obtaining flood insurance in high risk areas BIBA IIB Environment Agency Which F __IForum Department for Environment Food and Rural Affairs Department for Environment Food and Rural Affairs Nobel House 17 Smith Square London SW1P 3JR Telephone 020 7238 6000 Website www.defra.gov.uk Crown copyright 2012 You may re-use this information excluding logos free of charge in any format or medium under the terms of the Open Government Licence. To view this licence visit http www.nationalarchives.gov.uk doc open-government-licence or e-mail psi@nationalarchives.gsi.gov.uk. Where we have identified any third party copyright information you will need to obtain permission from the copyright holders concerned. Any enquiries regarding this publication should be sent to us at hiwu@defra.gsi.gov This publication is available for download at www.official-documents.gov.uk This document is also available from our website at www.defra.gov.uk Front cover image Environment Agency. PB13082 2 Contents Introduction 4 The need for insurance 4 The availability of flood cover 5 Getting specialist help 6 Understanding the current flood risk to your property 7 Reducing the flood risk in your area 8 What can be done to reduce the impact of flooding on your property 9 What is a flood risk mitigation survey and how can you get one 11 TOP TIPS when seeking flood insurance 13 Organisations responsible for the management of flood risk 14 Useful contacts and websites 15