The last few weeks have been quite disastrous where the weather is concerned, with the UK being battered by both Storm Ciara and Storm Dennis. While some parts of the country appear to have emerged relatively unscathed, there are others that are still underwater - and it seems it may be taking its toll on homes and businesses everywhere.
In Shrewsbury, widespread flooding was seen after the River Severn burst its banks, with the town still cleaning up after what has been the worst flooding in the region in 20 years. Levels on the river peaked at 4.85m at Welsh Bridge, the Shropshire Star reports, which is just 40cm below the highest ever recorded level back in the 2000 floods.
While the amount of water is certainly a massive worry for local residents and businesses, this is no doubt compounded by the fact that those properties situated along the river are unable to take insurance out against water coming into buildings - which means that they now have to face the financial burden of repairing the damage and replacing items.
The Hop and Friar pub in St Julian’s Friars, for example, was hit with seven feet of water pouring into its cellar, which ruined the draught beer and stock worth thousands of pounds.
Landlady of the pub Barbara Tromas confirmed that everything in the cellar had been lost, saying: “We are still very much open and we really need support from customers as we have no insurance against flood damage. Companies won’t insure businesses along the river.”
And owner of Darwin’s Townhouse B&B Mary Davies said that their insurance had included flood damage but this ran out two weeks ago and they have since been unable to find a replacement.
The basement of the property has been badly affected, with two of the guest bedrooms several feet underwater. Furnishings and furniture have been ruined, while access to the eight-room annexe was prevented after the river made its way into the property’s gardens.
According to Know Your Flood Risk, more than 300,000 businesses around the UK are currently at risk of flooding - and this is, in fact, the most likely peril to cause damage and disruption to business property in this country.
During the flooding seen in the winter of 2015/2016, approximately 4,600 businesses were flooded, with total claims made estimated at more than £100 million. Many of those affected had insufficient cover in place for the damage and losses they sustained.
There are different types of flooding to be concerned about, from surface water and groundwater to coastal and river flooding, and it’s important to know which specific risk your business faces so you can prepare accordingly.
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