Home insurance question.

[Imnotacelebgetmeouttahere]

If I wanted to take out home insurance after a recent flood.... now knowing there is a known flood risk problem ( not disclosed by housing association) am i correct in thinking it would be expensive/ hard to get becuase of the known issue.

And if i didnt disclose it then it would void the insurance?

Thanks

Yes & yes

Thank you family member is in emergency accommodation and hadnt yet started a home insurance due to an error on Housing association part in overcharging rent so she couldn't afford it ( only been there 2 weeks). Flat flooded this weekend and ruined lots of furniture and belingings to the value of around £750.
HA are refusing to pay as she should of had insurance. I agreed in principle however pointed out they

A) contributed to the unaffordability
B) knew about the floor risk but didn't disclose it
C) them suggesting she now takes it out is going to cost her even more as she now knows about it!

Family member is feeling overwhelmed and fairly cross as she also sustained a minor injury due to the floor and yet they seem to be unbothered

Might not be as awful as you think because of FloodRe and yes.

Yes, and it may even be an exclusion meaning that any damage by flood wouldn’t be covered.

I worked in home insurance for a lot of years and after one instance of flooding an exclusion was applied to the policy, this was standard amongst most insurers. It may have changed, but I imagine you’d have to go through a broker to find cover in future.

Oh apologies I thought you meant buildings insurance but it sounds like you mean contents.

Do a quote online, and see if it asks if you’ve been affected by flooding previously. I don’t think it does with contents?

Thanks ill give it a try online!

How did the flood happen?

I think the question is usually whether the property is within a certain distance of water. I live less than 10 metres from a brook and have to declare it although there has never been a flood. You also have to declare if there has been a flood in the property previously.
Unfortunately you can't not declare it and the postcode will probably flag up a risk anyway - but it may not make a huge difference to premiums

The block of flats rely on pumps to stop groundwater seeping in when it rains as there was some kind of error when they were built. It seems the pumps routinely break down and then water fills the flats if it rains. She had a few inches on the floor within a few hours.

The previous tenants had all reported flooding and it seems to be a well known issue however it wasbt disclosed when she viewed the property