As if losing all their treasured possessions and having to re-make their home following a flood was not enough, homeowners are now facing more heartbreak as they sink under the cost of rising insurance premiums.
Victims of deluges and continuing wet weather are struggling to find affordable protection for their homes and possessions as insurers and the government hit a stalemate about who should pay for defences.
Some are too scared to even return to their homes to try and pick up the pieces.
St Asaph in Denbighshire, North Wales, was struck by flooding last November and some homeowners there say they dread rocketing insurance costs and excess charges if they move back to their homes.
Currently, insurers are required to provide a reasonable rate of cover so long as the government continues its work to strengthen flood defences. But this Statement of Principles agreement will expire in June.
This could leave thousands in flood-hit areas unable to afford or even find cover.
St Asaph city councillor John Wynne Jones was just one of those who lost a lifetime of memories and treasured belongings in the floods. He says the situation is a “nightmare” and excesses are “totally unaffordable”.
As a result of the stress Mr Jones has suffered heart failure, and he calls on the government to help level the costs.
Other residents in the Welsh town say they have been unable to renew their policies without facing a whopping £10,000 excess.
Chris Ruane, Vale of Clwyd MP, wants a meeting with the Association of British Insurers as “soon there will be no safety net provided by the government”. He says an agreement must be reached on a lasting solution that offers affordability and availability of flood insurance.
York was also badly hit by the wet weather and the city council is hosting a conference to decide how residents and businesses can lobby for action.
The Flood Insurance Conference will take place on May 10, 2013, to discuss the issue with experts, MPs and business owners. It too will look at what can be done when the government and insurance industry agreement comes to an end this summer.
You can find out more about flood insurance statistics over at The Insurance Blogger