Q3,Q4,Q5,Q7,Q8,Q9,Q10,Q10_1_a_1,Q10_2_a_1,Q10_3_a_1,Q10_4_a_1,Q10_5_a_1,Q10_6_a_1,Q10_7_a_1,Q10_8_a_1,Q10_9_a_1,Q10_10_a_1,Q10_11_a_1,Q10_12_a_1,Q10_13_a_1,Q10_14_a_1,Q10_15_a_1,Q10_16_a_1,Q10_17_a_1,Q10_18_a_1,Q10_a,Q11,Q11_1,Q12,Q13,Q13_a,Q14,Q14_1_a_noZero,Q14_1_b_1,Q14_2_a_noZero,Q14_2_b_1,Q14_3_a_noZero,Q14_3_b_1,Q14_4_a_noZero,Q14_4_b_1,Q14_5_a_noZero,Q14_5_b_1,Q14_6_a_noZero,Q14_6_b_1,Q14_7_a_noZero,Q14_7_b_1,Q14_8_a_noZero,Q14_8_b_1,Q14_9_a_noZero,Q14_9_b_1,Q14_10_a_noZero,Q14_10_b_1,Q14_a,Q14_b,Q15,Q15_1_a_1,Q15_1_b_1,Q15_2_a_1,Q15_2_b_1,Q15_3_a_1,Q15_3_b_1,Q15_4_a_1,Q15_4_b_1,Q15_5_a_1,Q15_5_b_1,Q15_6_a_1,Q15_6_b_1,Q15_7_a_1,Q15_7_b_1,Q15_8_a_1,Q15_8_b_1,Q15_9_a_1,Q15_9_b_1,Q15_a,Q16,Q16_a,Q17,Q18,Q18_a,Q18_a_i,6,Q20,Q21,Q21_a,Q22,Q22_a,Q23,Q23_a,Q24,Q25,Q25_a,Q25_a_1,Q25_b,Q26,Q26_1,Q27,Q28,Q28_a,Q29,Q30,Q31,Q31_1,Q32,Q32_1,Q33_1,Q33_2,Q33_3,Q33_4,Q33_5,Q33_6,Q33_7,Q33_8,Q33_9,Q33_10,Q33_11,Q33_12,Q33_a,Q34,Q34_1_a_1,Q34_1_b_1,Q34_1_c_1,Q34_2_a_1,Q34_2_b_1,Q34_2_c_1,Q34_3_a_1,Q34_3_b_1,Q34_3_c_1,Q34_4_a_1,Q34_4_b_1,Q34_4_c_1,Q34_5_a_1,Q34_5_b_1,Q34_5_c_1,Q34_6_a_1,Q34_6_b_1,Q34_6_c_1,Q34_7_a_1,Q34_7_b_1,Q34_7_c_1,Q34_8_a_1,Q34_8_b_1,Q34_8_c_1,Q34_9_a_1,Q34_9_b_1,Q34_9_c_1,Q34_10_a_1,Q34_10_b_1,Q34_10_c_1,Q34_11_a_1,Q34_11_b_1,Q34_11_c_1,Q34_12_a_1,Q34_12_b_1,Q34_12_c_1,Q34_13_a_1,Q34_13_b_1,Q34_13_c_1,Q34_14_a_1,Q34_14_b_1,Q34_14_c_1,Q34_15_a_1,Q34_15_b_1,Q34_15_c_1,Q34_a,Q34_b_1,Q34_b_2,Q34_b_3,Q34_b_4,Q34_b_5,Q34_b_6,Q34_b_7,Q34_b_8,Q34_c,Q34_c_i,Q35,Q36,Q37,Q38,Q39,Q40,Q41,Q42,Q43,Q43_a,Q43_b,Q43_c,Q44,Q44_a,Q44_b,Q44_b_i,Q44_b_ii,Q45,,,,Q48,StartDate,CompletionDate
7,1,,1,2015,7 feet max. Mostly 3 to 4 feet,,0,0,0,0,0,0,1,1,0,1,1,0,0,1,1,1,0,0,15,,3,4,2,,,,0,,0,,0,,0,,0,,0,,0,,0,,0,30000,0,"As we are not strictly a business none of the above apply. However I was left about £30,000 out of pocket",,,0,0,1,1,0,0,0,0,0,0,1,0,1,0,0,0,0,0,,1,,2,2,,,Determination,1,1,,2,"As we do not fit any of the criteria we cannot get insurance for the contents, only for the bikes",5,,2,60,,3,1,,5,50,1,,50,"We are a charitable teaching workshop, something which the ins co's don't recognise. The bikes were insured, nothing else",,2,,5,0,1,0,1,0,1,0,0,0,0,0,1,,,0,0,0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,,,The Rivers Authority have replaced the flood wall which had been removed,0,0,0,0,0,0,0,0,2,3,10,0,0,2,2,0,0,2,,,,,2,1,2,1,Cleared silt from river,1,,,,2018-03-23 18:00:22 UTC,2018-03-23 19:17:56 UTC,
6,1,,1,2015,800mm,,0,0,0,0,0,0,0,0,1,0,1,0,1,0,0,1,0,1,5,,3,4,2,,,2000,0,,0,400,0,,0,,0,,0,,0,100,0,,0,,0,,2500,,1,1,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,Friends and helpers,,,1,2,,,Customers,2,,,1,Refused insurance because of the perceived flood risk.,5,,2,,,,,,5,100,,,10,,,3,,3,0,0,0,1,1,1,1,1,0,0,0,0,,,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,,,Reorganised stock to be less effected in the future.,1,0,0,0,0,0,0,0,2,2,3,0,0,2,2,0,4000,1,2,,,,,,,,,1,,,,2018-04-11 11:26:10 UTC,2018-04-11 11:44:20 UTC,
6,1,,2,2014,3 feet,,0,1,0,0,0,0,0,1,1,0,0,0,1,0,0,0,1,0,7,,4,2,2,0,,5000,0,10000,1,1000,1,,0,2000,1,,0,,0,2000,0,,0,,0,,20000,,0,0,1,0,0,0,0,0,0,0,1,1,0,0,0,0,0,0,,2,,2,2,,,Financial assistance,1,2,,1,Premium and excess increased.,1,,2,120,,3,1,,5,100,,,,,,3,,2,0,0,0,1,1,0,1,0,0,1,0,0,,,0,0,0,1,1,0,1,0,0,0,0,0,0,0,0,1,1,0,0,0,0,1,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,,,,1,0,0,0,0,0,0,0,2,2,7,12,8,2,2,150000,600000,2,,,,,1,1,2,1,Door Barriers,2,,,,2018-04-11 11:37:47 UTC,2018-04-11 11:59:49 UTC,
9,1,,3,2009,1m,,0,0,0,0,0,0,1,0,0,0,1,1,1,0,0,0,1,0,230,,1,4,2,,,677769,1,386688,1,,0,,0,2044415,1,,0,,0,,0,,0,138024,1,"storage, increase costs of working",0,,0,0,1,1,0,0,0,0,0,0,1,0,1,0,0,0,0,0,,5,"£10,000 for marketing",2,2,,,Alternative office space,2,,,1,"We cannot get flood insurance for most of our business, one element has flood cover but with a very high excess",1,,,30,,2,1,,5,0,1,,,We are unable to insure most of our buildings for flooding,,2,,6,0,1,1,1,1,1,1,0,0,0,0,0,,,1,1,0,1,0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1,0,0,0,0,0,0,0,1,1,0,0,0,0,,,,,0,0,0,0,0,1,0,1,2,3,52,24,,2,2,545000,2500000,1,2,,,,,,,,,1,,,,2018-04-11 12:40:10 UTC,2018-04-11 13:04:45 UTC,
6,2,,2,2015,750mm,,0,1,0,0,0,0,0,0,0,1,1,0,1,0,0,1,0,0,4,,3,4,2,,,10000,1,9000,1,3000,1,,0,,0,,0,,0,900,0,,0,,0,,38000,,0,0,0,0,0,0,0,0,0,0,1,0,1,1,0,0,0,0,,4,,2,2,,,Support on fighting insurance claim,1,2,,1,"The insurer refused to accept our figures for loss in sales despite us having very detailed, robust and qualifiable figures. This resulted in a loss of approximately £10,000 to the business when the claim was eventually settled over 18 months later.",4,,2,547,,1,2,,3,100,,,100,,,2,,3,0,1,0,1,1,1,1,1,1,1,0,0,None,,0,0,0,1,0,0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,0,0,0,0,0,1,0,0,0,0,0,0,0,0,0,0,0,1,0,0,,,,,0,1,0,0,0,0,0,0,2,2,11,23,2,2,1,204000,1400000,2,,,,,1,1,1,,"Installation of flood barrier, removal of timber front - replaced with masonry",1,,,,2018-04-11 12:54:36 UTC,2018-04-11 13:22:55 UTC,
18,2,,1,2015,,,0,0,0,0,0,0,0,0,1,1,1,0,0,0,0,1,1,0,170,,1,3,1,3,,20000,0,10000,0,8000,0,,0,20000,0,5000,0,,0,5000,0,,0,,0,,80000,,0,0,0,1,0,1,0,0,0,0,0,1,0,1,0,1,0,0,,2,,1,2,2,,,2,,,1,Wouldn’t pay out for ALL damages saying I was under insured,2,,1,365,,,2,,,100,1,,100,,,4,,1,0,0,0,1,0,0,1,0,0,1,0,0,,,0,0,1,1,0,0,0,0,1,1,0,0,0,0,1,0,0,1,0,0,1,0,0,1,0,0,1,0,0,1,0,0,1,0,0,1,0,0,1,0,0,1,,,,,0,0,0,0,0,0,0,1,2,1,6,5,4,2,2,25000,220000,2,,,,,1,1,2,3,,1,,,,2018-04-11 13:28:22 UTC,2018-04-11 13:54:10 UTC,
9,1,,2,2015,400mm,,0,0,0,0,0,0,0,1,0,0,1,1,1,0,0,0,1,0,30,,3,2,2,,,10000,0,5000,1,,0,,0,5000,1,1000,0,500,1,1000,0,500,0,,0,,23000,,0,0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,tried to get grant aid but was a waste of time and effort took too long and was run by a bunch of idiots,,,2,2,,,good insurance and accses to good advice,1,2,,1,big increase in premiums,3,,2,7,,6,1,,4,20,,,,,,2,,2,0,0,0,0,1,0,1,0,1,1,0,0,none,,0,0,0,1,0,0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,0,0,1,0,0,1,0,0,0,0,0,0,0,0,1,0,0,0,0,0,,,,,1,1,0,0,0,0,0,1,2,3,11,6,2,1,1,60000,180000,1,1,6000,new bridge built plus flood defences and new fencing drainage,1,,,,,,1,,,,2018-04-11 13:59:34 UTC,2018-04-11 14:29:58 UTC,
9,2,,1,2015,None - it affected roads around,,0,1,0,0,0,0,0,0,1,0,1,0,1,0,0,0,1,0,,,2,4,1,3,,50000,1,,0,,0,,0,,0,,0,,0,,0,,0,,0,,50000,,0,0,0,1,0,0,0,0,0,0,1,0,1,0,0,0,1,0,Some insurance payout ie 50% of loss = £25000,5,Boost marketing and customer communication to win back lost customers,2,2,,,Access roads,1,2,,1,Loss of business insurance is ineffective. It only covered 50% of the loss in revenue.,4,,2,180,,6,2,,4,50,,,,,,3,,3,0,0,0,0,0,0,0,0,0,0,0,0,,,0,0,0,1,0,0,0,0,0,0,0,0,0,0,0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,,,Lobbied local council to ensure roads remain accessible and are repaired and reopened as soon as possible in the event of another flood,1,0,0,0,0,0,0,0,2,3,3,4,7,2,2,100000,160000,1,1,3000,reroofing,2,,,,,,2,,,,2018-04-11 14:51:17 UTC,2018-04-11 15:06:05 UTC,
15,1,,2,2015,1.5 m,,1,1,0,0,0,1,0,0,0,1,1,0,0,0,0,0,0,0,45,,3,4,2,.,,100000,0,60000,1,,0,,0,20000,1,10000,0,,0,5000,1,,0,,0,,110000,,0,0,1,0,0,0,0,0,0,0,1,1,1,0,0,0,0,0,,1,,2,2,,,"Communication, roads",2,4,It is not available,1,Our quoted excess is the same as the value to be insured,1,,1,60,,1,2,,3,300,4,,300,,,2,,6,0,0,0,0,1,1,1,0,0,0,0,0,,,1,1,0,1,1,0,0,0,0,0,0,0,1,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,,,,0,0,0,0,0,1,0,0,1,1,9,100,1,2,2,300000,500000,2,,,,,1,1,2,2,Flood barrier,1,,,,2018-04-11 15:03:09 UTC,2018-04-11 15:15:52 UTC,
4,1,,2,2015,Approx 20 inches at deepest point,,0,0,0,0,1,1,0,0,1,1,0,0,0,0,1,0,0,0,,,5,2,2,,,7000,1,15000,1,15000,1,10000,1,10000,1,,1,5000,1,10000,1,,0,,0,,75000,,0,0,1,0,1,0,1,0,0,0,1,0,1,0,0,0,0,0,,3,,2,1,1,No,Money,1,2,,1,Difficult to acquire insurance after second event,3,,2,60,,,1,,,750,,,,,,3,,,1,0,1,1,1,1,1,1,0,0,0,1,,,1,0,0,1,0,0,0,0,0,0,0,0,0,0,0,1,0,0,0,0,0,1,0,0,0,0,0,1,0,0,0,0,0,0,0,0,0,0,0,1,0,0,,,,,0,0,0,0,0,1,0,1,2,2,20,16,2,2,2,400000,1000000,2,,,,,1,1,1,2,Building protection work,1,,,,2018-04-11 14:56:40 UTC,2018-04-11 15:22:55 UTC,
7,1,,4,2015,Approx 1 metre,,0,1,0,0,0,1,0,1,0,0,0,0,0,0,0,1,1,0,,,1,4,2,,,2000,0,1000,0,1000,0,,0,2000,0,,0,100,0,600,0,,0,,0,,6700,,0,0,1,1,0,0,0,0,0,0,0,0,0,0,0,0,1,0,Grant Aid,4,,1,2,,,Determination,2,,,2,,,,2,,,,,,,0,4,,0,,,,,3,0,0,0,0,1,0,1,1,0,0,0,0,,,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,0,0,,,,,1,0,0,0,0,0,0,0,2,3,58,0,0,2,1,0,50000,1,1,10,Placed items on high shelves.,,,,,,,2,,,,2018-04-11 15:01:57 UTC,2018-04-11 15:26:43 UTC,
17,2,,1,2015,2000,,0,1,0,0,1,0,0,0,1,1,1,0,0,0,1,1,1,0,150,,1,4,2,,,1000,0,,0,400,0,300,0,,0,,0,,0,,0,,0,300,0,Travel and dislocation costs,2000,,0,0,0,0,0,1,0,0,0,0,0,1,0,0,0,0,0,0,,4,,1,2,,,Plan for keeping systems working during the interruption,2,,,2,,,,,,,,,,1,5,1,,50,,,3,,4,0,0,0,0,0,0,1,0,0,0,0,0,,,0,1,0,0,0,0,0,0,0,0,0,0,0,1,0,0,0,0,0,0,0,0,0,0,0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,,,,0,0,1,0,0,0,0,0,2,2,4,1,1,1,2,0,3000,2,,,,,2,1,2,2,,2,,,,2018-04-11 19:31:04 UTC,2018-04-11 19:45:04 UTC,
6,2,,2,2015,Approx 6 foot,,0,0,0,0,0,1,0,1,1,0,0,1,0,0,0,0,1,0,31,,1,4,2,,,,0,,1,,1,,0,,0,,0,,0,,0,,0,,0,4.500 to buy mobile catering unit,0,,0,0,1,1,0,0,0,0,0,0,1,0,0,0,1,0,0,0,,5,"Could only be used for rebranding , signage and staff training",1,2,,,Premises to trade from,2,,,2,,,,1,30,,2,2,,1,0,,,,,,4,,1,0,0,0,1,0,0,0,0,0,0,0,0,,,0,0,0,0,0,0,0,0,0,0,0,0,1,0,0,0,0,0,0,0,0,1,0,0,0,0,0,1,0,0,0,0,0,0,0,0,1,0,0,0,0,0,,,,,0,0,0,0,0,0,0,0,2,2,6,3,3,2,2,,0,2,,,,,2,3,1,3,,2,,,,2018-04-11 19:46:34 UTC,2018-04-11 20:02:40 UTC,
6,1,,1,2015,3 feet,,0,0,0,0,0,0,1,0,1,0,1,0,0,0,0,1,1,0,187,,1,4,2,,,,1,160,1,,1,,0,,1,,1,,1,,1,,0,,0,,,,0,0,1,0,0,0,0,0,0,0,1,0,1,1,0,0,0,0,,,,,,,,,1,2,,1,we have not one bit of page to say what the insurance has payed out on or not payed on,2,,2,960,,1,2,,1,0,,,,,,,,2,0,0,0,0,0,0,0,0,1,0,0,0,?,,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,0,0,0,0,0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,,,,0,0,0,0,0,0,0,0,,,30,18,3,2,2,190,1300,1,2,,,,,,,,,1,,,,2018-04-12 09:32:27 UTC,2018-04-12 10:38:43 UTC,
13,1,,3,2015,750mm,,0,0,0,0,0,1,0,0,0,1,0,0,0,1,0,0,1,0,150,,4,3,2,,,8000,0,2000,0,,0,,0,1000,1,,0,,0,500,1,,0,,0,No Internet for a month at alternative premises due to BT lack of help!,1300,,0,0,1,0,1,0,0,0,0,0,1,0,0,0,0,0,1,1,,1,,2,2,,,IT and Internet Connection,1,2,,2,,,,2,75,,1,1,,3,0,5,,50,I work in an office just outside my home so the buildings are covered by my home insurance,,2,,1,0,0,1,1,1,1,0,0,0,1,1,0,,,1,0,1,0,0,0,1,0,0,0,0,0,1,0,0,0,0,0,0,0,0,1,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,,,Acquired pumps to prevent flooding,0,0,0,0,0,0,0,0,2,1,20,2,2,1,2,20000,80000,1,1,10000,2 electric and one diesel pump; door guards,2,,,,,,1,,,,2018-04-12 14:36:11 UTC,2018-04-12 14:57:05 UTC,
8,1,,4,2015,2.5 metres,,1,0,0,0,0,0,0,1,0,1,1,0,0,0,0,0,1,0,,,1,4,2,,,2000000,1,1500000,1,4000000,0,,0,1500000,1,300000,1,100000,1,1200000,1,250000,1,,0,,12m,,0,0,1,1,0,0,0,0,1,0,0,0,1,0,0,0,1,0,"Suppliers allowed us to use vehciles, offices. everything we had was lost. don't under estimate when i say everything. I mean literally everything had gone. In response to the next q, we didn't recieve grant aid.",,,2,1,1,no,"money, good staff. emergency business plan",1,4,"partly peace of mind, but we HAVE to have it as part of our Public Liability, due to Storm Desmond",1,"We now have a £250,000 excess...until some works are carried out - works which we have been told we can't carry out as they have no ability to prove the works will be worthwhile. catch 22...",1,,1,"depending which insurance. fleet not long, buildings lot longer, business interuption first initial payments ok remainder took over 12 months",,5,2,,1,4000,,,,,,4,,6,0,1,0,1,1,1,1,0,1,1,1,0,.,,1,0,0,1,0,1,1,0,0,1,0,0,1,1,0,1,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1,0,0,0,0,0,0,0,,,,,0,0,1,1,0,0,0,1,2,1,66,52,2,2,2,1200000,5000000,1,1,2000000,rebuilt offices on stilts. built a flood wall in 2006,2,,,,,,1,,,,2018-04-12 14:36:00 UTC,2018-04-12 15:13:54 UTC,
13,1,,1,2015,I was Business Adviser helping firms get flood recovery grants,,0,1,0,0,0,1,0,0,0,0,0,1,1,0,0,0,1,0,60,,5,2,2,,,,0,,0,,0,,0,,0,,0,,0,,0,,0,,0,I helped 25 clients directly affected - floods between 3 feet and 4.5 feet deep,100000,,1,0,1,0,1,0,0,0,0,0,1,0,1,0,0,0,1,0,Insurance brokers and companies - mainly supportive. Response times varied from next day to no support,3,,1,2,,,"telecoms, especially emergency back-ups",2,,,2,"Of 25 clients I helped, only 2 got no insurance help. I declared floods ""an act of God/ no help at all. Other site had previous floods so no cover available at a realistic price - so self insured.",2,,1,Firms I met were within 3 days and 3 months,,3,1,,4,0,5,,,,,1,,3,1,1,1,1,1,1,1,0,0,1,0,1,,,0,0,0,0,0,0,1,0,0,0,0,0,0,0,1,0,0,1,0,0,1,1,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,0,1,0,0,,,,Flooded firms got renewal premiums raised substantially and could not get fresh quotes from other insurers,0,0,1,0,1,0,0,1,1,2,5,1,1,1,2,3000,3000,1,2,,,2,,,,,,2,,,,2018-04-12 18:04:42 UTC,2018-04-12 18:33:43 UTC,
18,2,,2,2009,,,1,1,0,1,0,0,0,0,0,0,0,0,0,0,0,1,1,0,170,,5,1,2,,,2000,1,1500,1,800,0,,0,,0,,0,,0,,0,,0,,0,,,,0,0,1,0,0,0,0,0,0,0,0,0,0,0,1,1,0,0,Insurance paymemt,1,,1,2,,,Safe premises,1,1,,2,,,,1,21,,3,2,,3,50,,,,,,2,,3,0,0,0,1,1,0,1,0,0,1,0,0,,,0,0,0,1,0,0,0,0,0,0,0,0,1,1,0,0,0,0,1,0,1,1,1,0,0,0,0,0,0,0,0,0,0,1,0,0,0,0,0,0,0,0,,,,,0,0,0,0,1,0,0,1,2,3,19,3,1,2,2,15000,75000,2,,,,,1,3,2,3,,1,,,,2018-04-12 20:22:08 UTC,2018-04-12 20:38:27 UTC,
12,1,,2,2015,1 metre,,1,1,0,1,0,0,0,0,0,0,0,0,1,0,0,0,0,0,400,,1,4,1,2 part time,,50000,1,10000,1,1000,0,,0,180000,1,,0,,0,40000,1,30000,1,,0,,250000,,0,0,1,1,1,0,0,0,0,0,1,0,1,0,0,0,0,0,Insurance company gave a cash advance on contents covered,3,,3,2,,,Speed up insurance claim proceedures,1,2,,1,"Flood Re: says that guest houses will qualify for the scheme as long as they are wholly council taxed, our personal experience is that this isn't the case. We have been told by several insurance companies, including direct line that they will not provide Flood Re: scheme cover because our property is too large. We have had to continue with our current provider who has increased the excess from £2500 before the floods to £10,000 post flood. The annual premium has also doubled to £3000. I would be interested to know how this can be improved as I feel, reading the Flood RE: guidance that we should qualify. I would also be interested to know if other guest houses have the same issues. It is very stressful an we feel left out and let down.",1,,2,240,,1,2,,6,125,,,125,see previous comments about Flood RE:,,3,,5,0,0,0,1,1,1,0,0,0,0,0,0,,,0,0,0,1,1,0,1,1,0,0,0,0,0,0,0,1,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,,,,0,0,0,0,0,0,0,1,2,3,20,3,5,1,2,5000,40000,1,2,,,2,,,,,,1,,,,2018-04-13 13:36:00 UTC,2018-04-13 14:17:53 UTC,
17,2,,1,2015,Lack of customers,,0,0,0,0,0,0,0,0,1,1,1,0,1,0,0,0,1,0,180,,1,2,2,,,10000,0,,0,,0,,0,,0,,0,,0,,0,,0,,0,,10000,,0,0,1,0,1,1,0,0,0,0,1,1,0,0,0,0,0,0,,5,Advertising for reopening.,1,2,,,Cleaning & advertising,2,,,2,Building insurance is through the landlord.,,,2,Payment made to landlord,,4,,,,0,5,,,With the landlord,,2,,3,0,0,0,1,1,0,0,0,1,0,1,0,Landlord responsible,,1,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,,,,0,0,0,0,1,0,0,0,2,2,6,0,0,2,2,0,16000,2,,,,,1,1,1,3,Fit flood gates to all exterior doors,2,,,,2018-04-13 13:39:30 UTC,2018-04-13 14:21:24 UTC,
6,1,,4,2015,2 foot,,0,1,0,1,0,0,1,1,1,0,0,0,0,1,1,1,1,0,400,,1,,2,,,,0,,0,,0,,0,,0,,0,,0,,0,,0,,0,Thousands not yet calculated,,,0,1,0,1,0,1,0,1,0,1,0,1,0,1,0,0,0,0,,1,,1,2,,,Customers,1,1,,2,Low quality work snagging and cover,5,,2,700,,1,2,,1,0,5,,,,,2,,2,0,0,0,1,1,0,1,0,0,0,1,0,,,0,0,0,1,0,0,0,0,0,0,0,0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,0,0,0,0,0,1,0,0,,,,,0,0,0,0,0,0,0,0,2,3,26,6,4,2,2,,150000,2,,,,,1,3,2,4,Flood doors drains non return valves in sewers an air bricks,2,,,,2018-04-13 17:54:42 UTC,2018-04-13 18:42:49 UTC,
10,1,,2,2015,0,,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,,,8,4,2,,,,0,,0,,0,,0,,0,,0,,0,,0,,0,,0,"We were able to help other businesses, homeowners, repairers and our larger telecom competitor substantially by offering a ""water-proof"" Internet service.",A large negative cost,,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,5,We cooperated with Carlisle United Football Club to use their lighting towers to provide connectivity to the flooded area.,1,1,1,"No, we helped them.","Access, dry premises, power, connectivity and security.",2,,,2,,,,2,,,,,,,0,4,,Not much because we are essentially waterproof.,Business interruption insurance should cost less with our connections,,1,,1,0,1,1,1,0,0,0,0,0,0,0,0,,,1,0,0,0,0,0,0,0,0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,,,,1,0,0,0,0,0,0,0,2,2,7,10,1,2,1,240000,1500000,2,,,,,2,3,2,1,"Can't think of anything ""off the bat"" because our premises are not in vulnerable locations.",1,,,,2018-04-15 14:45:17 UTC,2018-04-15 15:00:44 UTC,
6,1,,4,2015,1 meter deep,,0,1,0,0,0,0,0,0,1,0,0,0,1,0,0,1,1,0,8,,3,4,2,,,30000,1,3000,1,30000,1,,0,,0,1000,1,,0,1000,1,1000,1,,0,,80000,,0,0,0,0,1,0,1,0,0,0,1,1,1,0,0,0,0,0,,2,,1,2,,,Customers,1,1,,2,,,,2,90,,3,1,,5,50,,,,,,2,,3,0,1,1,1,1,1,1,0,1,1,0,0,sgeg,,0,0,0,1,1,0,1,0,0,0,0,0,0,0,0,1,1,0,0,0,0,1,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,0,1,,,,,0,0,0,1,0,1,0,0,2,3,30,4,4,2,2,70000,350000,1,1,5000,flood barriers,1,,,,,,1,,,,2018-04-16 15:21:30 UTC,2018-04-16 15:38:49 UTC,
1,1,,4,2017,,,0,1,0,0,0,0,0,0,1,0,0,0,1,0,1,0,0,0,,,4,2,2,,,,0,1720,0,,0,2300,0,,0,,0,,0,,0,,0,,0,,6000,,0,0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,,,2,1,2,,4x4 Vehicle,2,,,2,,,,,,,,,,1,0,1,,,,,4,,4,0,0,1,0,0,0,0,0,0,0,1,0,,,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,,,,0,0,0,1,0,0,0,0,2,3,12,0,,1,2,18000,30000,1,2,,,,,,,,,2,,,,2018-04-17 07:20:31 UTC,2018-04-17 07:47:08 UTC,
17,2,,3,2015,5ft,,0,0,0,0,1,0,0,1,1,0,1,0,1,0,0,0,0,0,120,,2,3,2,,,100000,1,80000,1,30000,1,,0,300000,1,20000,1,,0,20000,0,,0,,0,,600000,,0,0,1,0,0,0,0,0,1,0,1,0,1,0,0,0,0,0,,2,,1,2,2,,manpower for cleanup and customers,2,,,1,No longer insured for flooding after 3 events,,,,,,,,,,0,1,,10000,Still trying to finalise settlement,,3,,1,0,0,0,0,1,1,1,0,0,0,0,1,,,1,0,0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,0,0,0,0,0,,,,"We have changed building layout and used materials that should ""flood proof"" the main building. So it should be a big clean up rather than structural damage. However the external site is large and there is many months of clean up over the whole site. Our long term plan is to have a contingency fund for flooding (circa 30k) to provide emergency funds and to allow us to hire extra help to get cleaned up quickly. Unfortunately we are still dealing with the financial implications of the last big flood and it will be a few years before we can afford to do this. We do not have ""drills"" as such, but we normally have 5-15cm in the main building at least once a year and the building was designed to cope with this. The 2005 2009 and 2015 floods which were 100-150cm were a different matter - in the magnitude and extent of the damage. The small floods and near misses (approx 3 per year) do keep us practised and the system tested. I have not found flood advice relevant or helpful.",1,0,0,0,0,0,0,0,2,1,40,25,2,2,1,200000,350000,1,1,200000,"Turned upside down - so low cost fittings now on ground floor. Rdesigned drains, changed floorign, custom concrete worksurfaces, changed doors, replaced stud and cladding walls with concrete block...",2,,,,,,2,,,,2018-04-19 09:50:40 UTC,2018-04-19 10:08:09 UTC,
13,2,,2,2015,"18""",,1,0,0,1,1,0,0,0,0,1,0,0,0,0,0,1,0,0,,,5,1,2,,,,0,,0,1000,0,,0,,0,,0,,0,500,0,,0,,0,,,,1,0,1,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,,,3,1,2,NO,Hands on help,2,4,Too expensive and can manage alone,2,,,,,,,,,,1,0,4,,0,,,1,,3,0,1,0,1,0,0,1,1,0,1,0,0,,,1,0,0,1,1,0,0,0,0,0,0,0,1,0,1,0,0,0,0,0,0,0,0,0,1,0,0,1,1,0,0,0,0,0,0,0,0,0,0,1,1,0,,,,,0,0,0,0,0,1,1,0,2,2,37,4,1,2,2,101000,1200000,2,,,,,1,1,2,1,Hole in wall to pump out the water,1,,,,2018-04-25 08:28:10 UTC,2018-04-25 09:05:34 UTC,
9,2,,1,2015,1m,,0,0,0,0,0,0,0,1,1,1,1,0,0,0,0,0,1,0,150,,4,2,2,,,25000,0,15000,0,,0,,0,15000,0,,0,,0,,0,,0,,0,,55000,,0,0,1,0,1,0,0,0,1,0,1,1,0,0,0,0,0,0,,3,,3,2,,,Been able to get started with work asap,2,,,1,They will not insure the property for flooding as it is on the Lake side,,,,,,,,,,250,1,,300,,,,,3,0,0,0,1,1,0,0,0,0,0,0,0,,,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,,,raised electric sockets,0,0,1,0,1,0,0,0,2,3,6,2,,1,1,5000,40000,1,1,,"Raised electric sockets, strengthen base, external walls",,,,,,,1,,,,2018-05-16 18:01:09 UTC,2018-05-16 18:21:07 UTC,
16,2,,1,2015,60 cm,,1,1,1,1,0,1,1,1,1,1,1,0,0,1,1,1,1,0,150,,5,3,2,,,5000,0,15000,1,,0,,0,,0,5000,1,,0,1500,0,,0,25000,1,alternative rental - only partly insured and due to the elongated time taken to relocate to permanent premises the business had a direct impact on inflated rental costs due to limit suitable premises on the market.,40000,,0,0,1,0,1,0,0,0,1,1,1,0,0,0,0,0,1,0,,1,,1,2,,,"cashflow, premises and IT infrastructure",1,2,,1,"No problems however understanding what is actually covered and understanding the terminology is always a challenge - I read diligently my insurance proposal and 'thought' I understood what it covered. In my experience I found that it didn't actually cover what I thought it did. The timescale for the payments were often lengthy and put considerable pressure on cashflow, payroll and at times I was very close to ceasing to trade. It was only injections of personal monies that allowed the business to remain solvent.",2,,2,90,,1,2,,4,0,,,,,,2,,1,0,0,0,1,0,0,0,0,0,0,1,1,,,1,0,0,1,0,0,0,0,0,0,0,0,1,1,0,0,0,0,1,1,0,0,0,0,0,0,0,1,0,0,0,0,0,1,1,0,1,0,0,0,0,0,,,,,0,1,0,1,1,0,0,0,2,2,10,11,2,2,1,180000,480000,1,2,,,,,,,,,2,,,,2018-07-23 19:58:01 UTC,2018-07-23 20:13:19 UTC,
1,1,1,2,2007,50 CM,,1,1,0,0,0,0,0,0,0,0,1,0,0,0,0,1,0,1,,,5,3,2,,,,0,,0,15000,0,20000,0,,0,,0,,0,,0,,0,60000,0,Main loss was standing crops in the flooded field.,100000,,0,0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,,,3,1,2,,Ground water management,2,,,1,Loss from thieft has increased premiums and payment was disputed,3,,1,,,,,,2,300,4,,350,,,2,,3,0,0,1,0,1,0,1,0,0,0,0,1,prepare off site facilites for critical stock,,0,0,0,0,0,0,0,0,0,0,0,0,1,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1,0,0,0,0,1,1,0,0,0,0,0,0,0,,0,0,0,1,0,0,0,0,2,3,44,4,1,1,1,200000,450000,1,1,8000,drainage land water management,2,,,,,,1,,,,2018-06-14 06:37:18 UTC,2018-06-14 06:53:07 UTC,
18,2,2,2,2015,200cm,,0,0,0,0,0,0,0,1,0,1,1,0,0,1,0,0,0,1,45,,2,2,2,,,250000,1,500000,1,,1,,0,2000000,1,,0,25000,1,25000,1,,0,,0,,11000000,,0,0,0,0,1,0,1,0,0,0,0,0,1,0,0,0,1,1,,1,,2,2,,,Football pitch and stadium,1,3,Can't risk not being insured - we couldnt afford to reopen without insurance cover to rebuild stadium,1,"Extremely difficult to obtain insurance after two separate catastrophic flooding incidents in 10 years. Given level of cover required, mainstream insurers very reluctant to offer cover.",3,,2,10,,1,1,,6,7500,,,,,,3,,2,0,1,0,1,1,1,1,0,1,0,0,0,,,1,1,0,1,1,0,1,0,0,0,0,0,1,0,0,1,1,0,1,0,0,1,0,1,0,0,0,0,0,0,1,0,1,1,0,0,0,0,0,1,0,1,0,0,0,,0,0,0,0,0,1,0,0,2,2,105,250,50,2,2,3000000,4000000,1,2,,,,,,,,,1,,,,2018-06-14 08:45:34 UTC,2018-06-14 09:03:08 UTC,
5,1,1,1,2015,1.2m,,0,0,1,1,0,1,0,1,0,1,0,0,0,0,0,0,0,0,,,1,4,2,,,10000,0,500,0,,0,,0,15000,1,,0,500,0,2000,1,,0,,0,,15000,,1,0,1,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,,,1,2,,,Clean & secure premises with Cloud based access to data,1,,,2,Insurance issues related to 9 months delay in agreeing the remedial works which was obvious from looking at the damage. Insurance firms contractors were terrible.,4,,1,180,,6,2,,3,50,,,,,,1,,3,0,0,0,0,1,1,0,0,0,0,0,0,,,0,0,0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,1,0,0,0,0,0,0,0,2,3,20,2,3,2,2,40000,100000,2,,,,,1,1,2,2,none return valves on drainage and tanking to the basement area,2,,,,2018-07-10 13:51:33 UTC,2018-07-10 14:02:12 UTC,
4,1,1,1,2016,1 metre,,1,0,0,0,0,0,1,0,0,1,0,0,0,0,1,1,0,0,4,,5,1,2,,,,0,65000,1,34000,1,,0,,0,,0,5000,0,3000,0,,0,,0,,15000,,1,1,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,Help from local tradesmen,,,3,1,2,,Power,2,1,,1,"I can,t get any sensible insurance after my flood.",3,,2,90,,2,1,,2,500,1,,500,This was the first claim in 18 years and now I cannot get any - very disappointing.,,1,,1,0,0,0,1,1,0,1,0,0,0,0,0,,,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1,0,1,1,0,0,0,0,0,0,0,0,0,0,0,0,0,,1,0,0,0,0,0,0,0,2,3,30,16,2,2,2,600000,11000000,1,2,,,,,,,,,1,,,,2018-07-10 15:17:41 UTC,2018-07-10 15:42:33 UTC,
13,1,1,1,2007,Building was isolated but not penetrated,,1,1,0,1,0,0,0,0,0,0,0,0,0,0,0,1,1,0,,,6,1,1,Sent home early as becoming isolated,,2000,0,,0,,0,,0,,0,,0,,0,,0,,0,,0,,2000,,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,,,3,1,2,,Access,1,1,,2,,,,2,,,,,,5,0,,,,,,2,,3,0,0,0,1,1,1,1,0,1,0,1,0,,,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,0,0,0,0,0,0,0,1,2,2,30,26,3,2,2,600000,1000000,2,,,,,1,1,2,3,,1,,,,2018-07-10 20:09:17 UTC,2018-07-10 20:19:33 UTC,
6,1,1,1,2007,200mm,,0,1,0,1,1,0,0,0,0,1,0,0,0,0,0,0,1,0,0.5,,6,,2,,,,0,,0,,0,,0,,0,,0,,0,500,0,,0,,0,,500,,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,,,1,1,2,No,"Flow of stock, transport, access",1,1,,2,,,,2,not sure,,3,1,,5,not sure,,,,,,2,,3,0,0,0,0,0,0,0,0,0,0,0,1,"We believe the risk is very low, there is nothing regularly done",,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,0,0,1,0,0,0,0,1,2,2,15,8,1,2,2,100000,500000,2,,,,,2,1,2,3,Improved drainage outside,2,,,,2018-07-11 07:37:49 UTC,2018-07-11 07:55:36 UTC,
13,2,1,1,2015,5-6ft,,0,0,0,0,0,0,0,0,1,1,0,0,0,0,0,0,0,1,,,4,2,2,,,3500,0,,0,,0,,0,,0,,0,,0,,0,,0,,0,,3500,,0,0,1,1,1,0,0,0,0,0,0,0,0,0,0,0,0,0,,,,1,2,,,Time. We could continue but couldn't concentrate on/deliver work for clients because we were too busy dealing with the flood damage to our home/registered office.,1,2,,1,"We only have household insurance which is very expensive, not business cover.",3,,2,15,,,,,4,50,4,,,,,2,,3,0,0,0,1,1,1,0,0,0,1,1,0,,,0,0,0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,0,0,0,0,0,0,0,0,0,0,0,1,0,0,0,0,0,1,0,0,0,0,0,,0,0,1,0,0,1,1,0,2,3,8,2,1,1,1,65000,90000,2,,,,,2,1,2,,My rented premises aren't at risk from flooding,1,,,,2018-08-13 09:03:47 UTC,2018-08-13 09:42:25 UTC,
18,1,2,4,2018,2 feet,,0,1,0,0,0,0,1,0,0,0,1,1,1,0,0,1,0,0,4,,4,2,2,,,27000,0,,0,1000,0,1000,0,1000,0,2500,0,2000,0,2000,0,,0,4000,0,,40000,,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,,,1,1,1,,,1,1,,2,,,,2,,,,2,,5,0,,,,,,1,,1,1,1,0,1,1,0,0,1,1,1,1,0,,,1,0,0,1,0,0,0,0,0,1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,,0,0,1,1,0,1,0,0,2,3,100,12,0,2,1,400000,320000,1,1,3000,flood defence,1,,,,,,1,,,,2018-08-17 19:41:42 UTC,2018-08-17 19:54:45 UTC,
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