Property Level Protection against flood risk and its relationship with household insurance

100% of survey complete.

If you have protected your home or business against flooding in any way please complete this questionnaire.

Defra have grant aided the National Flood Forum to undertake a study into the relationship between Property Level Protection (PLP) schemes for flood risk and access to household insurance. This survey forms part of the work.

The survey will help us to gain an understanding of the benefits and limitations of PLP schemes. The information that you provide will be kept strictly confidential and data on individual properties will not be published. Postcodes are required merely to help us to gain an understanding of how access to insurance varies around the country.

Thank you for your participation, it is greatly appreciated.

Instruction: please tick one answer (unless indicated otherwise) and respond in the space provided, where appropriate.

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* 1. What is your postcode and/or the name of your village/town. We will only use this information to make sure that we have coverage across the country.

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* 2. Would you classify where you live as

Urban

Rural

Suburban

Other (please specify)

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* 3. Which of the descriptions below best describes your property?

Flat

Bungalow

Detached house

Semi-detached house

Terraced house

Maisonette

Business

Farmhouse

Other (please specify)

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* 4. Which descriptions describe how your property is built? Please tick as many boxes as necessary.

Brick

Stone

Timber

Solid Floor

Wooden Floor

Other (please specify)

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* 5. How many years have you lived at this property?

0-5

6-10

11-15

16-20

>20

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* 6. Please indicate the ownership status of your property?

Owner

Private rent

Rented from social landlord

Leased

Other (please specify)

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* 7. If you own the property, which category below best summarises the value of your property?

<50,000

50,000-100,000

101,000-150,000

151,000-200,000

201,000-300,000

301,000-400,000

401,000-600,000

601,000-800,000

801,000-1,000,000

>1,000,000

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* 8. If you rent the property which category below best summarises your monthly rent

0-300

301-450

451-600

601-750

751-900

901-1050

over 1050

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* 9. Are you in a flood risk area as defined by the Environment Agency?

Yes

Don't know

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* 10. What is your level of risk?

Don't know

Level of risk?

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* 11. Approximately how many times have you been flooded since living at this property?

1-2

3-4

5-6

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* 12. If you have been flooded in the past, please describe how your house was affected?

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* 13. If you have been flooded in past, please describe the effects on your life?

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* 14. Have any flood management schemes (e.g. embankment, flood walls, maintenance of flood assets or community flood action plans) been implemented in the last five years by, for example the Environment Agency or Local Authority. If so could you describe what these are?

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* 15. Which of the following passive Property Level Protection (PLP) measures have you implemented, if any (please select as many answers as appropriate)?

Fixed flood doors

Automatic Air brick covers

Earth bund

Non-return valves

Automatic pump

Window barriers fitted

External wall treatments

Modified your use of your living area

Lime plaster on walls

Tiled floors

Movement of electrical fixtures to higher level in the property

No carpets

None

Other (please specify)

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* 16. Which of the following Property Level Protection (PLP) measures that require you to activate them if there is a risk of a flood, have you implemented, if any (please select as many answers as appropriate)?

Manual flood doors

Manual air brick cover

Manual non-return valves

Manually switched pump

No features fitted

Other (please specify)

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* 17. Approximately, how many years has it been since you implemented PLP and could you please indicate the approximate cost and who paid (e.g. Defra Grant, individual)?

Number of years

Approximate cost

Who paid

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* 18. Has the installation of PLP to your property had an impact on how you feel about the risk of flooding?

Yes

If yes please indicate the impact

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* 19. Have you been flooded since installing property level measures?

Yes

if yes please indicate the impact and how your insurer(s) responded

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* 20. On a scale of 1-5 (with “1” being ineffective and “5” extremely effective) indicate how effective you believe PLP has been/could be against floods.

Please add any comments you wish to make

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* 21. Have you experienced any difficulties obtaining flood insurance since installing Property Level Protection measures?

Yes

If yes please describe what the difficulties were

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* 22. How did you approach your current insurance provider

Recommendation

Comparison website

Broker

Direct contact with insurer

Council

Community support organisation (e.g. NFF)

Other (please specify)

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* 23. Did you have insurance cover before installation of PLP and if so, how much was the premium?

Yes

If yes, please state type of insurance cover (building, contents, combined) and the level of the premium and excess

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* 24. Have you been able to obtain insurance cover since installation of PLP?

Yes

If yes, please indicate the type (building, contents or combined), premium and excess and the insurance company/broker

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* 25. Since installing Property Level Protection measures has any insurance company refused you insurance cover?

Yes

if yes, please indicate which one/s and their reason for doing so

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* 26. On a scale of 1 – 5, (where “1” = strongly disagree and “5” = strongly agree), please indicate your level of agreement with the following statement.
‘Property Level Protection has increased my choice of insurer’

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* 27. Could you please indicate any areas where you would like assistance/help regarding flood insurance

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* 28. Would you like us to contact you about this?

Yes

if yes, please provide contact details below

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* 29. Would you be willing to let us contact you if we have any queries about your responses

Yes

if yes, please provide contact details below

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* 1. What is your postcode and/or the name of your village/town. We will only use this information to make sure that we have coverage across the country.

Question Title

* 2. Would you classify where you live as

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* 3. Which of the descriptions below best describes your property?

Question Title

* 4. Which descriptions describe how your property is built? Please tick as many boxes as necessary.

Question Title

* 5. How many years have you lived at this property?

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* 6. Please indicate the ownership status of your property?

Question Title

* 7. If you own the property, which category below best summarises the value of your property?

Question Title

* 8. If you rent the property which category below best summarises your monthly rent

Question Title

* 9. Are you in a flood risk area as defined by the Environment Agency?

Question Title

* 10. What is your level of risk?

Question Title

* 11. Approximately how many times have you been flooded since living at this property?

Question Title

* 12. If you have been flooded in the past, please describe how your house was affected?

Question Title

* 13. If you have been flooded in past, please describe the effects on your life?

Question Title

* 14. Have any flood management schemes (e.g. embankment, flood walls, maintenance of flood assets or community flood action plans) been implemented in the last five years by, for example the Environment Agency or Local Authority. If so could you describe what these are?

Question Title

* 15. Which of the following passive Property Level Protection (PLP) measures have you implemented, if any (please select as many answers as appropriate)?

Question Title

* 16. Which of the following Property Level Protection (PLP) measures that require you to activate them if there is a risk of a flood, have you implemented, if any (please select as many answers as appropriate)?

Question Title

* 17. Approximately, how many years has it been since you implemented PLP and could you please indicate the approximate cost and who paid (e.g. Defra Grant, individual)?

Question Title

* 18. Has the installation of PLP to your property had an impact on how you feel about the risk of flooding?

Question Title

* 19. Have you been flooded since installing property level measures?

Question Title

* 20. On a scale of 1-5 (with “1” being ineffective and “5” extremely effective) indicate how effective you believe PLP has been/could be against floods.

Question Title

* 21. Have you experienced any difficulties obtaining flood insurance since installing Property Level Protection measures?

Question Title

* 22. How did you approach your current insurance provider

Question Title

* 23. Did you have insurance cover before installation of PLP and if so, how much was the premium?

Question Title

* 24. Have you been able to obtain insurance cover since installation of PLP?

Question Title

* 25. Since installing Property Level Protection measures has any insurance company refused you insurance cover?

Question Title

* 26. On a scale of 1 – 5, (where “1” = strongly disagree and “5” = strongly agree), please indicate your level of agreement with the following statement.‘Property Level Protection has increased my choice of insurer’

Question Title

* 27. Could you please indicate any areas where you would like assistance/help regarding flood insurance

Question Title

* 28. Would you like us to contact you about this?

Question Title

* 29. Would you be willing to let us contact you if we have any queries about your responses

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* 30. Please use this box for anything else that you wish to say

* 26. On a scale of 1 – 5, (where “1” = strongly disagree and “5” = strongly agree), please indicate your level of agreement with the following statement.
‘Property Level Protection has increased my choice of insurer’