Geoffrey Clifton-Brown – 2014 Parliamentary Question to the Department for Environment, Food and Rural Affairs

The below Parliamentary question was asked by Geoffrey Clifton-Brown on 2014-05-06.

To ask the Secretary of State for Environment, Food and Rural Affairs, what the Environment Agency classifies as a watercourse; if he will ensure that insurance companies can differentiate between major watercourses and watercourses of no consequence; and if he will make a statement.

Dan Rogerson

The Environment Agency defines a “Watercourse” according to section 72(1) of the Land Drainage Act 1991. It includes all rivers and streams and all ditches, drains, cuts, culverts, dikes, sluices, sewers (other than public sewers within the meaning of the Water Industry Act 1991) and passages, through which water flows.

Insurance companies take into account a range of factors in setting policy premiums and excesses, and different insurers take different approaches to assessing flood risk. Certain insurance companies would use proximity to a watercourse to assess the risk of flooding to a property, whilst other companies may use postcodes to assess flood risk or their own flood risk models.