Cumbria flooding

Helped to find temporary shelter, help being rescued from their home sure...

Help from the reality that their home is now worth less money, nope - why should they any more than say someone who's house price has dropped for any other reason beyond their control?
 
Werewolf said:
I'm not sure if you're joking, but for a while one of the key suggestions has been to build houses in flood plains above storage such as a garage.
Oddly enough I don't think any of the house builders have taken up the idea, probably because it would cost a few grand more per house.

One of the Grand Designs houses fairly recently (this season or last) took it to another level, literally, from memory the house was built to rise with the flood water (to something like 6 or 8 foot), so under normal conditions it was street level, but if the area flooded it could be raised to keep it above the water level.
I think it required some fancy plumbing and electrical connections, but probably would work out cheaper than rebuilding elsewhere.
I can't remember if it included a boat house:p
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A few of the recent builds around my area have the garage at ground level and the first floor well above the flood walls, but most of the properties were built before the last flood and many built before the previous flood which was around 60 years ago. It's definitely the way to go in high risk areas
 
Imo I think most people see their property value as irrelevant at the moment, they just want somewhere warm, dry and safe to stay
 
Not sure what Dowie is blabbing on about, i bought my house and it's not classsed as being on a floodplain, it's never been flooded in the 100 odd years it's been here, but it nearly did the other day.
 
Spook187 said:
Not sure what Dowie is blabbing on about, i bought my house and it's not classsed as being on a floodplain, it's never been flooded in the 100 odd years it's been here, but it nearly did the other day.
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if you're having trouble with reading anything then just quote the relevant part and ask...
 
dowie said:
Helped to find temporary shelter, help being rescued from their home sure...

Help from the reality that their home is now worth less money, nope - why should they any more than say someone who's house price has dropped for any other reason beyond their control?
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After the first floods in 2005 we got the flood defences built, some government minister said this will do as it's unlikely to happen in the next 100 years well it has twice since that was said, and the last one the other day the defences didn't hold at all, that's why these people need help in grants when your own government said your safe when they were clearly not.
 
investment in flood defences(up to a point) sure, changes in planning laws sure


but your home and the insurance payments on it are your own responsibility no one elses
 
Dowie you are making it sound like these people have brought it on themselves, they are victims of circumstance and have had their homes and lives devastated by this and deserve help.

We have people who don't want to work sponging off the system, people who have migrated here just to sponge off the system and getting away with it, why not help these folks who have genuinely lost everything and are likely hard working decent people who are just trying to do the best for their family.
 
I'm not making it sound like that, I've already pointed out that the value of people's homes can potentially decrease for any number of reasons. Whether they've 'brought it on themselves' or not is completely irrelevant.

I've not said they shouldn't have any help either, of course they should have help with being rescued, being provided with temporary council accommodation or similar etc.. I was commenting on the posts re: insurance premiums and the fact their homes will be hard to sell. The fact that some insurance premiums will go up and/or some homes will have lost value is their own problem.
 
dowie said:
don't buy a property at high risk of flooding and expect others to pay for it then

they're profit making businesses not charities
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But as said already some areas which had very little chance of flooding when the people bought the house, now have high risk by things out of their control such as other housing estates being built nearby or changes further up river, land being concreted over, no maintenance been paid for on the drains and guttering etc.

So what do you do when the world has changed round you? Like others have said, you cant sell you house now as it comes up its at high risk of flooding.

I know in Northallerton a few years ago near me it flooded and everybody was up in arms over it and I think it was put down to the fact that lots of new houses and retail buildings with concrete car parks had been built and the main water drainage through the town couldnt handle the excessive runoff from all the new concrete.

So houses which had never flooded all of a sudden were.
 
What do you do when the local factory closes or the local coal industry or if the crime rate increases and the areas becomes a ghetto?

The value of your home is your own problem. If it goes up due to events beyond your control you stand to benefit, if it goes down due to events beyond your control you lose out - it is simply a risk of owning a home rather than renting.
 
Greebo said:
But as said already some areas which had very little chance of flooding when the people bought the house, now have high risk by things out of their control such as other housing estates being built nearby or changes further up river, land being concreted over, no maintenance been paid for on the drains and guttering etc.

So what do you do when the world has changed round you? Like others have said, you cant sell you house now as it comes up its at high risk of flooding.

I know in Northallerton a few years ago near me it flooded and everybody was up in arms over it and I think it was put down to the fact that lots of new houses and retail buildings with concrete car parks had been built and the main water drainage through the town couldnt handle the excessive runoff from all the new concrete.

So houses which had never flooded all of a sudden were.
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Except those things are in their control... being a democracy and all.
 
Greebo said:
The government give help?
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Why?

There are any number of reasons why homes go up and down in value - the Government's job isn't to step in and prevent people from going into negative equity or taking a loss. What if the housing market in general suffers a fall - should the government help everyone who owns a property?
 
The comment I made about property prices was to reiterate that people who have bought on a flood plain may find it extremely hard to change their circumstances.
 
dowie said:
Why?

There are any number of reasons why homes go up and down in value - the Government's job isn't to step in and prevent people from going into negative equity or taking a loss. What if the housing market in general suffers a fall - should the government help everyone who owns a property?
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Well they do with everything else? For example, A1 near where I live been made into a 3 lane motorway and as such going near to bottom of garden of a house owned by friends.

Payout £350k for the years of noise and building going on at the bottom of the garden and compo for house being devalued.

Like you have just said, why should they pay out for his house being devalued?

Anyway world of difference to your example where a fall in the housing market is nothing to do with the government. However, if the government suddenly introduced a blanket 50% stamp duty on all houses which resulted in house prices plummeting and negative equity and people struggling to make their mortgage payments, I would expect the Government to help out those affected.
 
dowie said:
no they don't, I've given you examples already



some company choosing to do something that will impact on others is a rather different scenario
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What examples? All in those cases I have known the Government to pump money into the area to help those affected.
 
Factories closing, coal mines closing...

Sure the govt can invest in an area to some extent - but that is rather different to people being directly helped due to their home falling in value.
 
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