ARE YOU THINKING BUYING A PROPERTY IN A FLOOD RISK AREA ?
For most of us, buying a house is one of life's most daunting experiences and therefore a pre-purchase flood survey and report will ensure you are fully informed as to the risks involved.
Buying a new home will be one of the most expensive purchases you will ever make! To safeguard your purchase it is essential that a pre-purchase flood risk assessment is made, especially if the property is in a flood zone or near to one. For many years, the onus was on the buyer to carry out due diligence on the property they were purchasing to make sure there were no good reasons not to buy it. This principle was known as ‘caveat emptor’, or buyer beware.
Since 2013 however, selling a property comes under the Consumer Protection Against Unfair Trading Regulations. This places the onus on the seller to divulge anything that may impact the buyer’s decision on whether or not to go ahead with the purchase. If the seller omits anything of importance (that they were aware of) ((such as flooding)) they could face prosecution, whether it was an issue they were asked about or not.
If you or your solicitor has conducted a flood search which has shown a risk, you are now able quantify that risk and obtain further advice. We offer a Pre Purchase Flood Risk Report. This service is proving very popular and we highly recommend you contact us to discuss your purchase. The initial consultation (15/20 mins) is free and we can discuss your options and guide you through the process.
In these strange times and with all the social distancing regulations we have developed a desk study approach or remote assessment. By conducting this due diligence, you can complete the property purchase with your eyes wide open, knowing the risk (if any), and of course, how to better protect the property should the worst happen. We can also provide estimates for any mitigation methods if advised.
We are RICS Chartered Surveyors so you can rest assured of the most appropriate and professional advice
REMEMBER Over 5 million properties in the U.K are deemed to be at risk of flooding, and whether commercial or residential, we highly advise obtaining expert advice at the time of purchase. There are various types of flooding including: surface water, river, groundwater, sewer and tidal.
Find out if you're at risk of flooding in England
You can find out if you're:
at risk of flooding in the next 5 days
in an area that's likely to flood in the future - check your long term flood risk and view your area's flood maps
Flood Risk Maps
Maps are a useful way of visually representing the risk of different types of flooding where you live and in the surrounding area.
The following maps have been produced by the Environment Agency:
A map showing the potential extent of flooding to properties from rivers, surface water or reservoirs across the UK, as well as details of the long term risk of flooding for a property. By entering your postcode here https://flood-warning-information.service.gov.uk/long-term-flood-risk and selecting your property, you can find out who your Lead Local Flood Authority (LLFA) is and then click through to the map to learn more about your flood risk.
A https://flood-warning-information.service.gov.uk/5-day-flood-risk for counties in the UK, highlighting the risk level of areas on a map from very low to high.
Example of the Environment Agency’s flood risk map
There may be extra information available for your local area from your Local Authority or County Council. Click here to find your local council.
If there are flood schemes to reduce flood risk in your area, whether ongoing or complete, there will always remain a level of residual risk present. Please don’t rely on these schemes for full protection or expect them to remove flood risk completely.