Our client’s home is located in an area classified as a flood risk by the Environment Agency. Despite having held a household policy with the same insurer for 10 years without claim, the insurer sent us a request for the client to approach the Environment Agency for a specific report on the flood risk applicable to their home, the client was expected to pay the Environment Agency’s fee for the report. Without such a report, the insurers would not offer renewal terms. We accessed the Environment Agency’s website and downloaded maps of the streets around the client’s home showing their relative flood risk. We also obtained details of the local council’s flood alleviation plan with pictures and locations of flood barriers. The only information that we troubled the client for was whether they were aware of any of their neighbours being flooded. Insurers invited renewal of the policy based on the information we provided without additional terms being applied and without the client having to pay for the report originally requested.