New Builds Flood: Insurers Say No Thanks

Residents of new-build properties in Blyth, Northumberland, are grappling with repeated flooding and an inability to secure home insurance. Danielle Smith's dream new build, purchased in 2020, was severely damaged in flash floods in April 2024. A subsequent flood six months later left her uninsured after her policy was not renewed due to flood risk. Eight other homes on the same estate also experienced significant damage.

Further investigation revealed that the street had a history of flooding, with evidence of surface water flooding in 2019, while the houses were still under construction. A government map designates the area as high risk for surface water flooding. Homeowners' Alliance spokesperson Paula Higgins questions the planning permission granted for these developments.

House builder Gleeson stated the development was not deemed a flood risk by the Environment Agency, but the agency noted their remit is limited to river and sea flooding, with surface water assessed by local authorities. Gleeson Homes reportedly breached planning conditions for over six years regarding the maintenance of underground drainage tanks on the Blyth estate and at nine other sites, including one in Chesterfield.