Landlord insurance in Taunton
Taunton sits on the edge of the Somerset Levels, low, flat country where water, once it arrives, is slow to leave. A landlord with property here faces a flood risk defined not just by depth but by duration.
Where the risks come from for Taunton landlords
On the Levels, flooding can leave land and property under water for days or weeks, as the winter of 2014 showed, rather than the hours of a flash flood. A let inundated for that long suffers far worse damage, and stays out of use far longer, than a quick rise and fall would cause.
A Taunton example
A let on low ground near Taunton floods and then stays flooded for over a week as the water has nowhere to drain. Everything below the water line is ruined, the drying takes months, and the tenant is displaced the whole time. Flood cover meets the reinstatement, and an extended loss-of-rent period carries the long recovery.
What landlord insurance covers
For property on the Levels, flood cover and a genuinely long loss-of-rent period are essential, because a prolonged inundation puts a let out of action for many months. The standard perils, property owners' liability and alternative-accommodation cover sit alongside.
Placing it in Taunton with Apex
Prolonged-flood country needs an insurer who understands that a Levels flood is measured in weeks, not hours, and a loss-of-rent period to match. Apex places Taunton and Levels lets through one named contact. Authorised by the FCA; established 2009.
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