Oh, they`ll get it allright,and so will the rest of us ,the insurance companies will make sure that everyone gets it right up `em as far as they can! these boys never miss an opportunity to make a fortune out of someone elses misfortune, bless `em. I live six miles inland from the coast near Hastings, our property is in an elevated position but we still have to pay a surcharge because of "the possibillity of seawater ingress", just a means of adding a further 15% on the premium. So all in all there will be losers all round but it won`t be the insurers,roll on thre revolution!!!