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Some homeowners "not covered" during winter floods

Insurance companies will be put on the spot later as they explain their response to the recent floods.

Some were criticised for "preposterous" behaviour when some homeowners were told they were not covered if flooding was caused by rising ground water.

Hundreds of properties across the south were affected during the winter storms.

Today, the Environment, Food and Rural Affairs Committee will hear evidence from the Association of British Insurers.

Adequate insurance is a must

The importance of having adequate insurance is being highlighted by East Sussex Fire and Rescue Service.

They say they have attended a number of properties recently without building or contents insurance.

Neal Robinson, Head of Community Risk Management at ESFRS said, "If there is a fire in your home, you risk losing everything. Even if the fire if contained to one area, smoke and water damage can have a huge impact.

"To know that you do not have insurance to help rebuild your lives makes it even tougher to face."

It is thought that in times of cutbacks, people may be tempted to not insure their property.