North Strand risk of flood

dublin444

I'm interested in buying a property in north strand - it is within 70 metres of the royal canal. however I am starting to run into issues with home insurance for flood. A number of insurers will not quote us for flood. Have others living in this area had previous experience or recommendations with various insurers?

AngryLips

Insurers will offer cover for everything except certain types of flood damage in this scenario, this should be sufficient for the purposes of securing a mortgage.

Allinall

AngryLips wrote: »

Insurers will offer cover for everything except certain types of flood damage in this scenario, this should be sufficient for the purposes of securing a mortgage.

All well and good getting the mortgage.

Not much use if your house is destroyed by flood waters down the line.

This, I think is what OP is worried about.

koutoubia

My wife grew up on Richmond Rd and flooding from the Tolka was an issue.
In the after what I think was the last flood the Tolka was drained and the banks heightened along the stretch from Drumcondra down as far as Ballybough.
Not sure if along there has flooded in the last 10 years.

AngryLips

Allinall wrote: »

All well and good getting the mortgage.

Not much use if your house is destroyed by flood waters down the line.

This, I think is what OP is worried about.

Well in that case OP should abandon all hope of buying anywhere near coastal Dublin

dublin444

Yes that's exactly it. Mortgage should be ok, it's the insurance against flood that I am concerned about. The property itself has not flooded but areas around Ossary road have, work was carried out to limit flooding since.

I called four insurers, 3 said they won't cover it and one will, AA. Curious if anyone else had other recommendations.

blue_blue

dublin444 wrote: »

Yes that's exactly it. Mortgage should be ok, it's the insurance against flood that I am concerned about. The property itself has not flooded but areas around Ossary road have, work was carried out to limit flooding since.

I called four insurers, 3 said they won't cover it and one will, AA. Curious if anyone else had other recommendations.

You must be smoking crack if you think Ossory road is prone to flooding. Bar one flood in the business park in 2002, can you tell me how many times the area has flooded since?

spurious

I live on a street the East Wall side of North Strand Road. My house was flooded with 5 feet of water the time the bridge fell into the river in 1954.
It has not flooded since.
I have no issues getting insurance for flood.

Victor

In the last 10 years there has been flooding around Shamrock Cottages. It will very much depend on the individual property.

JustAThought

dublin444 wrote: »

Yes that's exactly it. Mortgage should be ok, it's the insurance against flood that I am concerned about. The property itself has not flooded but areas around Ossary road have, work was carried out to limit flooding since.

I called four insurers, 3 said they won't cover it and one will, AA. Curious if anyone else had other recommendations.

Why won’t they quote you?
Have they said specifically?
Is this because you don’t own the house?
I had that issue getting car quotes then I was thinking of changing mine a few years back.

Peregrinus

Ask the vendor if the house is currently insured, and with whom. Then approach that insurere for a quote.

AngryLips

Its standard practice for insurers to make exclusions for certain types of flood damage if you live in a floodplain. Anyone can check an address on floodinfo.ie

OP, you might want to double check the quote from AA, I live in the same area so wanted to check my own address and found that they apply the same exclusions... it's just that in the case of the AA they only detail it in the small print