How risk of flooding affects House Insurance and Conveyancing in Sheffield

When Conveyancing in Sheffield, enquiries which the Conveyancing Solicitor makes about the property will include investigation of environmental dangers, and particularly flooding.

Sheffield has seen many floods over the years, the most catastrophic of these occurring back in 1874. A dam for one of the reservoirs on the River Sheaf broke, and the resulting deluge killed 270 people and devastated whole areas of the town.  

In recent times heavy rain caused two torrents in 2007 and 2009, claiming several lives and washing away livestock.

Fridaysmove Solicitor Amanda Gandham recently advised buyers of a residential home on Conveyancing in Sheffield. The property on Whitley Lane, Ecclesfield, Sheffield, S35, turned out to be at natural risk of flooding. Amanda needed to ensure that the house had not been affected by this before. She also had to check whether insurance would cover this risk.

Getting insurance cover for flooding for Conveyancing in Sheffield

When determining insurance rates for home owners and deciding which scenarios will be covered, insurers take past problems into account. If the property has suffered from water damage, the rates will be much higher. Conveyancing Solicitors like Amanda therefore need to take be aware of this issue for Conveyancing in Sheffield.

Both the Sheffield floods of 1874 and of 2007 put a massive strain on insurance companies. The insurance claims of the 1874 disaster made up one of the largest sums of damages claimed in the Victorian era.

Water damage insurance agreement expires in 2013

 After the 2007 flood, the Association of British Insurers (ABI) agreed with the government that insurance would still be available to home owners in risk of water damage. However, this agreement will end in 2013, so it is an issue for all present and future Conveyancing in Sheffield.

Another potential problem with the property, which was valued at £325k, was that it was subject to covenants and restrictions from 1972. These can be a neighbour’s right to use the driveway belonging to the property, or an agreement not to engage in commercial activity on the premises.  

Restrictions and covenants continue to affect the property even when the owners change, and the other party can enforce their right even if the new owners didn’t know about it.  

It was therefore important that Amanda made the buyers aware of these obligations during the process of Conveyancing in Sheffield. She swiftly contacted the sellers’ Conveyancing Solicitors, Talyor and Emmet Solicitors in 20 Arundel Gate, Sheffield, S1 2PP.

While Amanda investigated the papers, she also found that planning permissions had been granted for the property. These were checked with the local council’s planning department. Amanda quickly proceeded to resolve these issues and the Conveyancing in Sheffield completed in August.