Our Flood Risk Report is an assessment of how likely it is that the property you're intending to purchase will suffer from flooding at some point in the future, based on floods from the past. The Flood Risk Report isn't based on a physical inspection but on historical data from the Environment Agency and the Natural Resources Wales agency which report providers use.

What's in a Flood Risk Report?

Flood Risk Assessment

• This is either a 'Passed' or 'Failed' report

• The report then gives an overall flood risk rating for the property.
  
  Depending on which of these ratings is given, there may be a further explanation and, in particular, what type of flooding risk is most likely, for example, a risk of groundwater flooding. It directs the reader to the appropriate section which explains this further.

• A graphic representation of these different types of flood risk, relating to the property, is then presented. 
• MOST IMPORTANT Insurance Assessment. This gives a Yes or No opinion on whether you should be able to get buildings insurance for the property at standard terms

• It is followed by recommendations that, according to the data, may suggest making further clarification of potential flood risk factors and practical steps to reduce the consequences of any flood event.
  
  It may, for example, suggest you/your conveyancing solicitor ask the vendor whether they are aware of any previous flooding at the property.
• It also gives advice on whether you should obtain insurance terms before you exchange contracts.

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