As another rainstorm centers itself over the whole of the country the home owners of England, Scotland and Wales wonder just how responsive their home insurance provider will be if and when they make a claim. It is no great secret that most buyers of insurance don’t read the small print and who can blame them. Pages long and full of jargon it has gone one step further when buying online in that the buyer has to click to agree to accept the conditions before they proceed to buy. Although the UK Government has made lots of noise, and the insurance companies have agreed to look at the flood insurance problem, it sems little has actually changed, except the water levels!

However there is some help at hand from specialist insurance brokers and providers and a quote for home insurance for a property at risk from flooding can be obtained at the green banner above.

An alternative insurance quote from another flood insurance specialist can also be requested from here.

A new facility has been introduced to help home owners in the UK that are experiencing problems obtaining home insurance due to what the underwriters class as “non standard risks”.

The problem can be caused by a number of reasons,  but the main ones are underpinning, subsidence, flooding, postcode, non standard construction, type of employment, working from home, claims history, previous convictions and non occupancy of the property.

A call back facility lets the homeowner enter their details and request a return phone call to discuss their individual problem with a specialist who will try and find a solution.

Click the image on the left to get a call back from a special underwriting service that solves and provides quotes for home insurance that other insurers have declined.

Underpinning is simply the process of providing additional support to the foundations of a property to prevent or resist subsidence of the structure.

Often not an uncommon feature on heavy clay soils, it occurs when the clay shrinks or expands with changing moisture content. This can happen in times of unusual drought or rainfall when ground movement is apparent. Proximity to trees can also be a cause as they suck moisture from the ground as they grow or cause the ground to swell if they are cut down after the building has been erected.