ON reading of the difficulty some house owners have getting dwelling insurance on their properties in a potential flood area, I have an idea.

Why not have a sinking fund (not an intended pun) as some leaseholders have on their properties?

The sinking fund is a sum of money put into an account each year, and untouchable unless disaster strikes – like flooding. This would make unsaleable houses saleable as the sinking fund increases. It could end up being more valuable than the property.

Glyn Limmer

Roosevelt Road

Long Hanborough