In January 2019, Andrew, 64, who lives on the North Downs in Kent, experienced a flood when exceptionally heavy rain caused surface water flooding from nearby roads, which blocked his property’s drains. As he described “the garden filled up with water, and then it flowed in through the front door.”
The damage from the flood amounted to £13,197. Following his claim, Andrew’s premium increased by over 50%, prompting him to search for more affordable options. BIBA’s Flood Insurance Directory provided two specialist brokers who could meet his needs. Andrew was particularly impressed with the prompt, personable, and effective assistance provided by Daines Kapp Insurance Brokers. Despite the challenges of a claim and living in a flood-prone area, the broker secured a policy for more than half the cost he had initially been facing. Andrew was highly satisfied with the level of service and felt reassured to have found such dedicated support during a difficult period.
Looking ahead, Andrew added: “I’m actually looking forward to the discussion this year… as it’s now five years since the claim” and he’s confident his broker will negotiate a further reduction.
