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Climate change means flood risk is a growing challenge for homeowners, our economy and wider society. We set out the mortgage industry position on flood risk, with calls to action to address it.
Facing into climate related risk and flooding, the mortgage industry wants to see sustainable lending and insurance markets which support homeowners and the wider economy. Our paper sets out the need for a whole system approach to addressing flood risk, which will involve collaborative action not only by industries, but also by government and homeowners individually. We call for action on related issues including flood insurance, homeowner understanding of the need to act, data and property valuation. We make clear our commitment to work on these issues with government alongside the insurance and surveying industries. We also call on government to ensure that appropriate flood defences are provided and maintained for existing and new communities – particularly where of many of the 1.5 million new homes targeted by government could be built in flood prone areas.
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