Flood Plain Insurance洪泛区保险
The cost of flood insurance people pay nowadays is affected by the location where their house is located. 成本洪水保险人支付的招术，如受上述地点他们家所在地。 Those people whose houses are located in higher-risk areas pay higher premiums and higher excess on flood-related claims as compared to those whose houses are in low-risk areas Premiums on a house in a high-risk area may differ for example around £20 to £30 than in low-risk areas. 这些人的房子都位于高风险地区，须付出较高的保费和较高的超额洪水有关的索赔相比，那些房子都在低风险地区保费，一所房屋，在高风险领域可能有所不同，例如约为30英镑20至30英镑，比在低风险区。 In the United Kingdom, more than two million properties are located at flood risk areas.在美国，英国，有200多万的物业，分别位于洪水风险区。 When you seek the services of a flood insurance provider, they have their own maps to determine if you live in a low-risk area.当你寻求服务的洪水保险提供者，它们拥有自己的地图，以确定如果你生活在一个低风险区。 Although your insurance plan should pay for all flood damage, your insurance provider also expects you to take necessary precautions to protect your properties in case of a flood, too.虽然你的保险计划，要为所有的洪灾损失，你的保险提供商，也期待你采取必要的预防措施来保护你的财产，在案件洪水也是如此。 If you live in a flood plain, expect your premiums to be higher and an expensive burden.如果你住在洪泛区，期待你的保费会更高和一项昂贵的负担。 Some insurance providers may even refuse flood cover on people in high-risk areas cover.一些保险公司提供者，甚至可能拒绝防洪封面上的人，在高风险地区的植被。 You can not expect insurance providers to give you a policy when your house is a on a flood path and you get hit by floods often.你不能指望保险公司提供给你一个政策时，你的房子是一个对洪水路径，你会得到遭受水灾频密。 It will be suicide on their part, unless you will want to pay a high premium.它会自杀，他们的一部分，除非你将要付出高昂的保费。 If the insurance providers think your house is in a high-risk area, they may even resort to getting a surveyor’s report before giving you a policy.如果保险提供商认为你的房子是在一个高风险领域，他们甚至可能诉诸越来越测量师的报告，然后给你一个政策。 If they give a policy to whoever applies without considering the high-risk factor, they will have to increase the cost of premiums for everybody to meet the cost of insurance claims.如果他们的政策，以谁的适用不考虑高风险因素，他们将要增加的成本，保费为每个人，以支付保险理赔款。 An estimate by the Government's Foresight Future Flooding report in 2004 showed that the annual average flood damage could increase even up to 20 times by the end of the century as a result of climate change, so not only the UK suffering from flooding because this is a global problem.估计由政府的远见卓识，未来水浸报告，在2004年显示，平均每年洪灾损失可能会增加，甚至高达20倍，到去年底，在本世纪，由于气候变化，所以并非只有英国遭受水浸，因为这是一个全球性的问题。 Floods can not be prevented but the people can do something to protect their homes from floods.洪水也不能阻止，但人们可以做一些工作，以保护自己的家园，从洪水。 Here are some tips from the Association of British Insurers (ABI).这里有一些提示，从英国保险商协会（发研中心） 。 Concrete floors can be replaced with wood and cover with tiles.混凝土楼板，可替代木材，并涵盖与瓷砖。 Chipboard or kitchen and bathroom units can be replaced with plastic equivalents. chipboard或厨房和浴室的单位可取代塑料当量。 The same is true with gypsum plaster.同样如此，与纸面石膏。 This can be replaced with more water-resistant material, such as lime plaster or cement render.这可以代之以更具耐水材料，如石灰，石膏或水泥的能力。 You can also move service meters, boiler and electrical points to areas above likely flood level.您也可以提出服务米，锅炉和电动点，以上述领域可能洪水水位。 One-way valves could also be put into drainage pipes to prevent sewage backing up into the house, hence to prevent flooding.采用单向阀也可以投入排水管，以防止污水后盾进入屋内，因此，以防止洪水灾害。 The bottom line is that if you are moving house or buying a property for the first time, always check whether your intended new home is on a flood plain or not.底线是：如果你是搬家或购买物业，为第一次，每次都要检查你是否打算新家是对洪泛区或不是。 This information is readily available on the internet on official Government web sites, so there is really no excuse for not knowing - and if you don't know, you can be sure that you future insurance company does!这一信息是随时可在国际互联网上的政府官方网站，所以我们实在没有理由不知道-如果你不知道，你可以肯定的是，你将来保险公司是否！
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