英国论坛
大家好！买房子律师刚把search的结果发过来。可是有两个问题比较担心，不知道这两个问题会不会很严重？如果房子还可以买，有没有什么防范措施？求助大家！这个house是三年前盖的，现在还算比较新，还在10年承保范围内。
FLOODING： 刚刚好这个房子的位置是surface water flooding risk significant。。。各两家出去的位置risk就是low了，可是偏偏这个房子right on the significant risk spot。。。
Report 这样说：
Surface Water (pluvial) flooding will usually be a result of extreme rainfall events, though may also occur when lesser amounts of rain falls on land which has low permeability and/or is already saturated, frozen or developed. In such cases overland flow and ‘ponding’ in topographical depressions may occur.
What is the risk of pluvial flooding at the centre of the study site? Significant
What is the highest risk of pluvial flooding within 25m of the centre of the study site? Significant
Guidance: The site or an area in close proximity has been assessed to be at Significant Risk of surface water (pluvial) flooding. This indicates that this area would be expected to be affected by surface water flooding in a 1 in 75 year rainfall event to a depth of between 0.3m to 1m.
地面下沉风险
Report上这样说：
The natural ground subsidence rating is obtained through the evaluation of six natural ground stability hazard datasets, which are supplied by the British Geological Survey (BGS). These datasets indicate the hazard posed by the occurrence of: Swell-Shrink Clay, Landslide, Compressible Ground, Collapsible Ground, Dissolution of Soluble Rocks and Running Sand. Many factors may contribute to ground subsidence problems. For instance, significant problems can arise in conurbations underlain by clay rich bedrock, such as over clay strata in the South East of England, or South Wales. Whilst surveyors are normally aware of local problem areas, data provided by the BGS can highlight areas where a significant potential for natural ground subsidence exists and which may need particular consideration.
Where moderate - high potential is indicated, this means that there is the potential for natural ground movement to occur that may be of concern. Such ground movement could cause damage to domestic or other properties. Properties designed, constructed and maintained in compliance with modern building regulations should be unaffected by most minor subsidence. Therefore, if thinking of buying a property in the area, you should seek professional advice from a professional property surveyor and also look at the property yourself in more detail to look for any signs of existing damage. If you already own a property in the area, and you think natural ground movement may have damaged it, you should contact your insurance company for advice. You should also take professional advice before changing the ground in any way, for example, by planting or removing trees, changing drainage or carrying out building work.
先谢谢大家了！第一次买房实在没经验，真是不知道该怎么办了。。。
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地震风险
Report上可以这样说：……
火灾风险
Report上可以这样说：……
彗星撞地球风险
Report上可以这样说：……
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保险费会高吧？？？
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如果是我，不会买，洪水那个如果在东南地区前两年发过，可以査一下该房(地区）有没有被淹。被淹过的房子后来保险很难买到了，贵得离谱。
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安全更重要
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查一查这个地区以前的发灾情况，或潜在的发灾因素。如果有记录，得好好考虑是否值得买了。
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要个insurance quote看看
我有同事一个月要交200多的insurance因为以前淹过
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subsidence risk，我记得英格兰有2/3的房子都有这个风险，我觉得主要看你喜欢不喜欢这个房子，这些search大都是走个形式，或者用来砍砍价，绝对不会是指导买不买的因素。伦敦不管多高risk，房子还是死贵死贵啊。
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report会把可能一个地区可能出现的问题都给你列出来，多数情况都是不会发生到你的房子上的。
我自己的房子当初也是有surface water flooding的危险，但现在住了也有五年了，从来一点问题没有。就是象大家说得，你调查一下你那个区域之前有没有受过灾，如果没有，基本可以忽视。如果是新区，房屋建得时候可能会考虑surface water run over的问题，通常都不会有问题的。
至于地基问题，如果这些新房还有nhbc的insurance，就会有保障。如果已经超过十年了，那十年都没出什么事，你就更不用太担心。而且很多新房都是在老房子的地址上建的，之前没有问题，现在应该也不会。
说句题外话，新房虽然在设计的时候对于地基的考虑可能会比老房更规范，但新房加盖的时候一定要小心。特别是在原有基础上增加楼层或者Loft conversion，因为新房的地基设计更精确，但也更经济，也就是说新房的地基多数都是设计的职能承载现有的承重，但凡你在上面增加额外重量就可能会造成沉降。
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如果真的到时候发生了flood，之后resale是会有影响的。但如果你周围都没有出现过flood，而你的plot又是新建，这种情况就不太可能。如果你住的过程中从来没有flood过，resale的时候就应该不会有什么影响的。
至于如果地基出现问题，在nhbc保的那几年就应该会出现，只要最后nhbc修好了，到时候再买也应该不会有问题的，实在不行你可以考虑从开发商处要一些赔偿弥补你的损失，是比较麻烦但多数都是可以的。
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我是不会买的，房子那么多，何必非要钻牛角尖买个不舒心的，将来也过的不舒服，将来也卖的不容易。
还要担风险。