My named second driver (we all go to dances together often).

She was trying to insure her house and they claimed her post code was in a flood risk area. And upped her premium.

Now it just so happens that her house is easily 12 feet off the road, which itself is waaaaaaay more than 50 feet from the main road and her road is quite steep. The main road is still 20-30 feet from the stream. They want to build an Aldi on the industrial estate that sits in that 20-30 feet. What do you think she did next?

Now that was totally stupid of the insurers, they have flood/contour maps and very specific post codes/house numbers to inform them, even if the loss of sales doesn't. While they are arguing with the customer the same time taken would tell them precisely! But they still use "1/4 mile from a watercourse" - I told them my house was not, though I reckon my crow would go round the road and I got fed up of the imprecise rules. I chose my house because (among other attractions) it is 6 feet above most neighbours. And in inexperience of prediction I still reckon the piddling "watercourse" would not be a problem even when it got blocked with detritus. And in 20 years I have been proven more than right (if that is possible!).