Floods in the UK

Once again families in the UK are without power and being evacuated from their homes due to flooding. This time it’s Cumbria making the headlines, and there is more rain to come.
cockermouth DM Cockermouth

carlisle utd FC Carlisle Utd Football Club

kendal  Kendall

Above pictures courtesy Daily Mail, via Google images

A £48M flood defence system has proven inadequate to deliver protection.
The barriers went up, but the water went higher.

Insurance companies say they are getting their assessors to their customers. 
How can they assess the damage when it is still underwater.

Customers in high risk flood areas have said they have been quoted premiums of £2,000 with £20,000 excesses.
If this is true, this is extortion.

The Government are holding emergency COBR (Cabinet Office Briefing Room) talks.
Don’t they always, but this is just dressing, to be seen to be doing something when in reality it could just be a chocolate only biscuit round.

Construction and Building Companies are developing residential housing on flood plains.
Excess water will no longer have anywhere to go but up.

I’m no expert but you cannot fight Nature, you can only redirect it.

Lincolnshire knows a thing or two about irrigation. They have ‘drains’ of various sizes, farmers apply drainage pipework to their fields which diverts excess water into said drains. That doesn’t mean to say that fields won’t be flooded, but at least there is a chance of control. The drains were also dredged every year when we first arrived, but then there were the inevitable cutbacks and the year it wasn’t done, flooding was the result.
Where we lived, the last floods were in the 1950s, but we were considered to be in a flood plain and our house insurance hiked accordingly. If we’d lived 150 yards up the road, we wouldn’t have been considered at risk. The road was actually four inches higher.

Like the floods of 2014, 2009 and 2007, Nature wins.

Today it was announced that councils will be reimbursed 100% of costs for flood damage by the Government.
That doesn’t exactly help Joe Public.

The media has mentioned Flood Re, a Government scheme to help those in flood risk areas get affordable insurance.
Linked to whatever Council Tax Band a property is in will determine how much goes into the pot. If I understand correctly, this protects the insurance companies from flood damage pay outs, not a guarantee to the policy holder (it also doesn’t come into effect until April next year) who will still have to pay a hiked premium.

A bit like the one-off indemnity payment in the ’90s when properties were going into negative equity and buyers had to borrow more than 75% of the house value on a mortgage.

As always, protection for the Money People, not the homeowner.

About pensitivity101

I am a retired number cruncher with a vivid imagination and wacky sense of humour which extends to short stories and poetry. I love to cook and am a bit of a dog whisperer as I get on better with them than people sometimes! In November 2020, we lost our beloved Maggie who adopted us as a 7 week old pup in March 2005. We decided to have a photo put on canvas as we had for her predecessor Barney. We now have three pictures of our fur babies on the wall as we found a snapshot of Kizzy, my GSD when Hubby and I first met so had hers done too. On February 24th 2022 we were blessed to find Maya, a 13 week old GSD pup who has made her own place in our hearts. You can follow our training methods, photos and her growth in my blog posts. From 2014 to 2017 'Home' was a 41 foot narrow boat where we made strong friendships both on and off the water. We were close to nature enjoying swan and duck families for neighbours, and it was a fascinating chapter in our lives. We now reside in a small bungalow on the Lincolnshire coast where we have forged new friendships and interests.
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4 Responses to Floods in the UK

  1. scifihammy says:

    It’s scary when the water just keeps on rising. I feel very sorry for those who lose their homes.

    • Me too, and it will always happen. We came close a few years ago, and discovered our drainage sucked, so did something about it. The next time, we still had a lot of standing water, but when the rain stopped, it was all gone in ten minutes or so. We’ve had some horrendous downpours here, and I was watching the patio puddles merge. At least on the boat we go up with the water, so the only worry we would have in a flood is where to walk Maggie!.

  2. Elyse says:

    Yes! Isn’t it amazing how the folks who design and build houses in flood planes, etc. have no liability but the poor homeowners DO? Gee No corruption there…

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