In recent years, the increasing frequency of flooding incidents has become a concern. While scientists debate the role of global warming and human intervention in this phenomenon, static caravan owners are faced with more immediate and practical considerations.
This article discusses flooding and your insurance.
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Flooding and static home insurance
When seeking insurance for static caravans, carefully examine the policy to ensure it meets your specific needs. Standard cover for loss, damage, and theft is essential, but additional consideration must be given to flood insurance.
It is important to note that some policies may exclude flood risks entirely, while others might impose conditions or additional premiums for caravans in flood-prone areas.
Will my static caravan site get flooded?
It is impossible to predict with certainty whether your caravan and its location will be susceptible to flooding. Different regions in the country inherently carry varying levels of flood risk.
Caravan parks are frequently positioned in proximity to coastlines or along the picturesque banks of inland waterways. To assess the potential risk in your area, it is advisable to investigate by using the Environment Agency’s scalable map, outlining the flood risk from rivers and the sea in specific regions of the UK.
The risk of flooding is not solely determined by the geographical location of your static caravan park but also by the specific pitch your caravan occupies. If concerns about flooding persist, contemplating a bid for an alternative pitch situated at higher elevations might be prudent.
Is there a previous history of flooding at your static caravan site?
Regardless of how long ago the flooding may have occurred, it is important that you find out from your static caravan site owner if the site has ever suffered from flooding.
Like many static insurance companies, we need to know about any previous history of flooding at your site – even if it was five years ago and flood defences have now been put into place.
If the previous flooding is not disclosed and a claim occurs, then your static insurance company could refuse to settle your claim because of this non-disclosure – even if the new claim is unrelated to flood damage.
If improvements have been made to your site or to the surrounding area, then we should be able to still you a competitive quotation for your static caravan insurance.
How we can help
The more information you can provide us then, the more likely we are going to be able to offer you a competitive price for your static caravan insurance.
Our static caravan insurance team have vast experience in underwriting previously flooded sites, and we have access to special software which allow us to assess the risk of further flooding.
Please call us on 01702 606301 to discuss your static caravan insurance further.
Further reading: Caravan Flood Insurance