FloodSave Case Study – Waterhouse Podiatry Hebden Bridge


Waterhouse Podiatry and Chiropody is based in the centre of Hebden Bridge and run by owner/podiatrist Wendy Waterhouse, Wendy is focused on providing a quality, comprehensive, chiropody / podiatry service. Serving Hebden Bridge, Todmorden, Walsden, Mytholmroyd, Luddenden, Halifax and surrounding areas.

Wendy moved into her business premises after the Boxing Day floods of 2015 and was aware that the building had been flooded, with this in mind Wendy wanted to make sure she had done everything she could to protect herself. We asked Wendy a number of questions to see how FloodSave is going to benefit her business.

What sparked your interest?

I can’t get flood insurance at all – unless I pay a massive premium and a massive excess. I thought I might be able to get flood insurance this year but after speaking to my insurance company it was evident that the premium would be too high.

This way I am putting some money away, I can forget about it and it will accumulate. I feel confident that if it floods I have some savings, I have to do something and I feel reassured that my savings are protected with the Credit Union. I will potentially double the money I have put in up to the value of £2000. It’a a no brainer for me.

How will it benefit you?

It will help me to replace many of the contents in the shop, I have most items high up on shelves that can be easily removed, but expect to replace all the soft furnishings and my podiatry chair. I am confident that the money would get me back on my feet, and allow me to continue trading. Initially I would probably need to work from somewhere else but I would be able to replace things quickly.

If it doesn’t flood, I will have a pot of money accumulating and its nice to know it’s with the Calderdale Credit Union, it’s a worthy cause, and it’s humbling to be part of a Credit Union. You are not only helping yourself but others too.

What is one good thing that you could tell others?

You can’t lose, your money is protected, if you haven’t got insurance you’re collecting a fund which will be matched, it’s a great savings account for a rainy day (that we hope never happens). I felt I needed to have something extra in place in case it floods, and FloodSave is that something.

Does it give you peace of mind?

It does give me some peace of mind. It’s my alternative to flood insurance, and makes me feel at the very least, I have made a provision for the worse case scenario. I wasn’t in this shop space when it flooded on Boxing Day, but when it looked like it was going to happen again in November last year, it was really scary. When the weather is good, it’s easy to get complacent, but it only needs to rain heavily for a few days and you start to worry again. When you get the flood alerts, or even worse – hear the sirens- you are reminded how vulnerable we are, and how important it is to plan ahead.

If you want to find out more about FloodSave and how it can work for you, follow the link.