Hi Spade,
I have contacted our insurance company, and changed insurances a few times, until we get them to site visit, it's the same each time, postcode dictates policy premiums.
There are properties in our village that are in flood and do have water through their properties most floods.
It takes months for a site visit, in that time we still have to pay the premium, and there is no refund when they do decide it's not right.
One year after 2 months of rain and overcast sky's, which resulted in a minor flood. NRMA, Our premiums were raised, when questioned.
"Your block is flood prone, the grass is dead, Google earth shows that water has been over you block"
It took four months for a site visit.
We changed insurance mobs not long after that, and were not questioned about flood water, until the next flood and we went through it again.
I don't know, it shouldn't be this hard.
You don't use magic to disappear, ya use a 4x4 & Swag.