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I can't remember exactly what my parents experiences were with floods but we always lived at the top of hills for that reason. Skateboarding was always good fun but it sucked going up hill on your bike!

Thanks for sharing Tracey. Insurance can get really complicated. I'm insured with 3 different companies for properties depending on what cover suits me best for particular property so I keep a list and a short note beside it. ie, covers fence, covers flood damage. Sorry to hear about your...