With the approach of winter and the recent record rain falls in Cumbria, now is the time to check your home insurance policy provides adequate cover for flood damage. According to the Environment Agency, flood claims cost an average of £28,000 compared to only £7,300 for fire damage.

Whilst an estimated two million homes are at risk from flooding, a recent YouGov poll estimated that only 6 per cent of homes are prepared for flooding. It's also important to check your car insurance policy, as the cost of repairing flood-damaged cars can be significant.

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