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Contractors to build according National Building Regulations
Tuesday, 06 July 2010 16:30
Flood_InsuranceAdhering to the National Building Regulations and municipality when constructing your home could save your from potential financial ruin. Having your home built below the flood line, may, depending on the insurer, negate your insurance policy or even prevent an insurer from covering your home.

Properties that are built close to rivers, dams or other large bodies of water are most likely below the flood line, which your insurer should know about. They will decide whether or not to cover your property based on the increased risk and if they do, they might not cover you for floods. If you live in such a place, you’ll want to make sure you have flood insurance.

The municipality should provide information regarding high risk areas, or you could get a professional surveyor to assess the risk of the property. If they determine that you are at risk of flooding, then there preventative measures that you can perform to reduce this risk and bring down your premiums.

Some things you as the homeowner can do include:

Plugging any leaks in your paving, patio, eavestroughs and downpipes with silicone.
  1. Repair or replace your gutters
  2. Clean your gutters and downpipes.
  3. Backfill under steps, decks and patios.
  4. Top up sunken areas around the foundation.

Making these small adjustments and others could prevent flood damage and will reduce your flood-risk.
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