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Even the NHBC, providers of insurance-backed warranties on UK new homes uses a minimum claim value to wriggle out of paying legitimate claims for example, treating each defective lintel in a home as a separate, low value, claim.

But could there be a more sinister financial reason why insurers are particularly slow in settling flood claims?

Granted its a little short of a full-blown protection racket but it shares the same principal. Insurers assess the risk of a claim and charge a premium based on that risk.

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The proceedings were compered by Liz Payne-Ahmadi..Hearses carrying the Union-flag draped coffins of Sergeant Steven Darbyshire, Lance Corporal Michael Taylor, and Marine Paul Warren, all of 40 Commando Royal Marines in Taunton, passed after being repatriated to nearby RAF Lyneham.Fourteen Marines from 40 Commando have lost their lives since April.We thank them and their families for their sacrifice for their country.THE WESSEX TOURIST BOARD HAS TEAMED UP WITH THE UK INFORMED INVESTOR'S WATCHDOG TEAM TO NAME AND SHAME THOSE INSURANCE COMPANIES WHO HAVE BEEN DRAGGING THEIR HEELS COMPENSATING RESIDENTS OF THE SOMERSET LEVELS FOR THE DAMAGE CREATED BY THE FLOODS ON THE LEVELS Most people realise how important it is to insure their home and possessions as a safeguard against their worst nightmares becoming a reality.

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