To all our valued customers,
Our primary concern is the wellbeing of our loved ones, and that of our staff and customers, and we sincerely hope you are safe and well.
For several weeks we have been preparing our business to ensure we can continue to provide legal services during the Covid-19 outbreak.
Our business model is already built around smart working, with our technology designed to support over 200 lawyers who already work from home, reducing the need for social contact.
The information here outlines how we will continue to operate and what adjustments we are making to ensure the safety of our clients and staff.

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Flood insurance fund to be created

A flooding deal ‘to cap insurance premiums’ has been outlined by the government to ensure that people who live in homes with a high risk of flooding have affordable premiums. The governments plan is to build up a fund, using a levy on insurers, to cover the cost if flooding occurs. Houses in high-risk areas will have the cost of insurance capped. The limit on the premium will be based on council tax bands and will apply on all but the most expensive homes.Under the new plans, homes that have a significant flood risk are defined as those with a greater than one in 75 chance of flooding in any given year. The household insurance premiums will be capped at £210 a year for those living in homes in council tax bands A and B. This cap will rise for bigger homes to £540 a year for homes in band G. Homes in band H will not be covered. Homes in band H, and homes built after January 2009, will not have a cap.The plan is for the new deal to be in place by summer 2015, however some details are still yet to be finalised. The Association of British Insurers (ABI) director general Otto Thoresen said “Getting to this stage has required compromise by both sides and there remain issues that need to be overcome.” The previous arrangement obliged insurers to provide cover for high-risk properties while the government continued to work on new flood defences. This was due to finish by the end of June, but has been extended for an additional month. It is believed that householders will still be able to shop around for insurance under the new scheme.The contents of this article are intended for general information purposes only and shall not be deemed to be, or constitute legal advice. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of this article.Setfords Solicitors are a national full service law firm, with environmental solicitors in Birmingham  and across the country.