Mr. Paul Kavanagh:

It depends. I am not sure of the background to this question. However, it may depend on whether there has been a claim or a flooding incident in an area. One of the questions on all proposal forms asks whether a person's house is within 100 m of a water source, whether a stream or a river. If one does not declare that and takes it as read and the house is only 50 m from the water, this amounts to a non-disclosure on the policy and the claim will not be paid.