More and more people are finding themselves affected by the devastating power of floods over the last 5 years. Many experts are putting this down to climate change and say this is a problem that humans caused themselves. The government has mirrored this opinion in many ways by announcing that the problems that people face a result of this flooding will increasingly be theirs to sort out.

One of the biggest issues people face is getting home and office insurance to cover them against damages. In years on by the Association of British Insurers (ABI) have put peoples minds at ease by stating that they will make sure the greater percentage of homes can get cover. However in 2013 this promise is due to end and there are currently no plans to re-issue it. This could leave thousands of homes and business without protection and could mean that the value of the properties takes a massive hit.

London will be hit hardest by this problem. There has been a sharp increase in flood activity in the capital, with many areas now considered high risk. London relies heavily on its Victorian drainage system and much of the ground is flat. Also, because much of the ground is impermeable and has not plant life the water has difficulty draining away. The defences that were set up at various points along the River Thames to protect the city against bursting banks has actually caused a different problem by stopping surface flooding in build up areas from being able to flow away into the river.

The government has said that if people cannot get home or liability insurance quotes relating to protection against floods any more, they will need to take measures to protect themselves against damages. One dentist in the capital has already take measures into his own hands and bought a large force pump after not being able to get full dentists insurance.