Insurance is a washout for flood victims

By Richard Gray, Science Correspondent, Sunday Telegraph

Last Updated: 12:17am BST 02/09/2007

Flood victims are being left with "worthless" home insurance cover after being blacklisted in the wake of the devastating floods that swept across the country this summer.

Householders hit by the flooding in Yorkshire and Gloucestershire over the past two months have been presented by their insurance companies with massive excesses of up to £10,000 and new clauses that mean they will not receive a payout if temporary flood defences are not erected.

Hundreds of thousands of homes not hit by flooding are also facing premium increases as they are classed as being in high-risk areas

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