My wife has the insurance with a special Teachers only insurance company, and it seems to be really good cover. We also hope the flooding doesn't really badly effect the insurance prices. It has been stated as a unique act of God, so you never know.

We are definitely going to be looking to see how the drainage can be improved to attempt to protect against this ever happening again. I'm tempted to hire a small digger and completely dig out my front and back gardens and install a huge soak away. Although in s drought we would then not be able to hold any moisture and the lawn would die.