u/Cloudline13

Hi all,

We’ve gone sale agreed on a house in Dundalk and have a mortgage offer from Bank of Ireland, but it requires buildings insurance with flood cover.
We haven’t been able to get flood cover at all:
Online quotes exclude it

Brokers (Dolmen & Campion) couldn’t place it either

Louth County Council said they don’t issue “letters of comfort”

Bank of Ireland said they might waive the requirement if we can show it’s not available.
Just wondering:
Has anyone been in this situation?

Did your lender waive the flood cover requirement?

Or did you manage to get cover after initial refusals?

Any advice appreciated—bit worried the sale could fall through.
Thanks!

Hi all,
Looking for some advice or similar experiences.
We’ve gone sale agreed on a house in Dundalk (Co. Louth) and have a mortgage offer from Bank of Ireland, but it includes a requirement for buildings insurance with flood cover.
The problem is we haven’t been able to get flood cover from any insurer so far:
Tried online quotes → all exclude flood

Contacted brokers (Dolmen and Campion) → both said they can’t get flood cover for the property

They mentioned needing a “letter of comfort” from the council, but Louth County Council confirmed they don’t issue these

The house itself:
Standard house (not apartment/basement)

No known history of flooding

There’s even a new housing estate being built right beside it

Bank of Ireland have said they may remove the flood cover requirement if we can show it’s not available, but we’re not sure how likely that is or what exactly they’ll accept.
Has anyone here:
Been in a similar situation?

Managed to get flood cover after initial refusals?

Or had a lender waive the flood cover requirement?

Also wondering:
Did you need a formal letter from a broker stating cover isn’t available?

Did switching lenders help at all?

We’re a bit worried we could lose the house over this, so any advice or experiences would be hugely appreciated.
Thanks in advance!