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Flood risk and Flood Re

Cathy Hawkins discusses the benefits of the Flood Re scheme for householders at high risk

2 June 2016

Flooding has been a common event in the UK over the last few years. Most recently, December 2015 to January 2016 saw record levels of rainfall and flooding in Cumbria and other parts of northern England, as well as Scotland. Insurance claims for damage caused by these floods have been estimated at anywhere between £1.3bn and £5bn.

While natural phenomena may be the driving force behind property damage, the actions
of individuals and companies in relation to flooding may also give rise to claims. Vernon Knights Associates v Cornwall Council [2013] is the most
recent case that highlights a landowner's duties towards their neighbours in relation to flood damage.A landowner owes a measured duty in both negligence and nuisance to take reasonable steps to prevent natural occurrences on their land
from causing damage to neighbouring properties.

In determining th...

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