Postcode lottery raises household flood barriers

Are the greater levels of information now available for insurers to assess flood risks helping to protect homeowners?

Richard: The danger, when you increase the quality of the information the insurance industry has, is you also reduce the risk at which good properties don't need insurance. The insurer doesn't want to insure the bad properties and this narrows down the people in the middle who have the uncertainty as to whether they are good or bad risks.

Alan: In other words it reduces the

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