David Cameron today promised to take a 'tough approach' on negotiations with insurers over homes in danger of flooding as pictures emerged of its devastating effects in a town that has already been hit once this year. Residents in Tewkesbury are once again counting the cost of being hit by flooding from the River Severn and its tributaries following heavy rainfall - and it's just five years since the town was home to similar watery scenes. As a result people in the town could face excess on their damage claims of £20,000 as well as a rise in their insurance premium but the Prime Minister has said he will come down hard on insurers who fail to provide affordable cover. In 2007 Tewkesbury Abbey became a symbol of the town's plight as water crept ever closer to its foundations and now it looks like the town is suffering from the same fate. Scroll down for video . Waters get dangerously close to Tewkesbury Abbey after the nearby river burst its banks for the second time this year . Businesses and home-owners face yet another clean-up bill as property became flooded and defence systems failed under the sheer volume of water . Caravans in Forthampton, near Tewkesbury were tossed around like boxes after the floodwaters swallowed up the ground around them . St Asaph was under water today after the River Elwy burst its banks and hundreds of people were evacuated . The scale of the flooding was visible from the skies with huge bodies of water covering the land around the city . This picture shows how deep the water went in some places in the North Wales city . This time, however, the river was expected to peak at 4.8m - one metre lower than the peak five years ago. As this is the third time that the . town has witnessed such flooding insurers will once again facing picking . up the bill for damage done to many buildings. In turn it is likely that home and . business owners will face a rise in the amount they pay for their . interest and, more worryingly, a rise in the amount they pay for their . excess. In 2007 a couple in Powick, . Worcestershire, had their house flooded twice in the same summer. Chris . and Wendy Wreghitt were told their insurance excess would be £20,000 . after a 4ft wave of water washed across the road through their home. The six-bedroom detached house . suffered hundreds of thousands of pounds worth of flood damage to the . kitchen, living room and study. At the time Mr Wreghitt, 53, said Axa . dealt with them efficiently but when he went to renew his home . insurance a year later his premium jumped from £1,000 to £1,638. Then in . 2009 it more than doubled to £3,747. Initially Axa said their excess . would be £20,000 but once he complained it was lowered to £10,000. Here to help: Rescue services, visited by Mr Cameron, have been working together to tackle the flooding that has hit the area . The PM attended a Silver Command meeting at Gloucestershire Police HQ to see how they have been working to tackle the flooding . Prime Minister David Cameron meets staff at Gloucestershire Tri-Services, Gloucester, who are dealing with the flooding . Although the devastation is not yet as bad as that seen in 2007, these pictures show why insurers ask residents for a £20,000 excess . Flooding can be seen stretching for miles away from Tewkesbury after heavy downpours broke the banks of the River Severn . There is hope, however, after Prime . Minister David Cameron today promised to take a 'tough approach' on . negotiations with insurers over homes in danger of flooding. Up to 200,000 high risk properties are . at risk of being priced out of affordable cover when a deal struck in . 2000 between the then Labour government and insurers ends next summer. The Government has been in talks for two years but as yet an agreement . has not been reached. 'I'm sure we will do a deal,' Mr Cameron said. 'We are in negotiations at the moment. 'We need to take a tough approach . frankly and it's important insurance companies do what they are meant . to, which is provide insurance to households and we are going to make . sure that happens.' Mr Cameron said he was determined to reach an agreement. 'I am personally involved,' he said. '(Cabinet Office Minister) Oliver . Letwin is doing this negotiation on my behalf. The current situation we . have lasts until the middle of next year and we have some time to sort . it out. 'But I want to get it sorted. I've . seen myself in my own constituency the difficulty people have when they . can't get insurance. It's not just it makes them feel unsafe in their . own home but they can't sell their own home, so it's very important we . get this sorted on their behalf.' David Cameron speaks with Musky Kendall in Buckfastleigh, near Exeter, as she tells him how quickly the floods rose inside her house . Hedgerows are the only sign that this is flooded farmland and not a huge lake . David Cameron has vowed to get tough on insurers who charge people too much for cover for when they are flooded . Mr Cameron was speaking after he met . householders in the village of Buckfastleigh, Devon, which was struck by . flash flooding at the weekend. 'It is obviously very traumatic when . communities are hit by flooding like this but what I found are people . are incredibly steadfast and have behaved incredibly bravely at handling . the flood and now we need to help them with the recovery,' he said. 'We have to make sure their insurance . pays out, make sure the Environment Agency puts in place good flood . defences, make sure there are better warning schemes. There are always . lessons to learn and I wanted to come here and hear it for myself.' Mr Cameron also visited recently-built . flood defences on the River Dart, which have helped protect the local . area from worse flooding. The Prime Minister defended his Government’s . record on providing flood defences despite a cut in the budget. 'We are spending over £2 billion on . flood defences over the current four-year period, which is 6% less than . was spent over the last four years,' he said. 'But as well as that, we . are actually encouraging private and other money into flood defences and . making sure they are more efficient as we build them. 'I am quite convinced we are going to . provide flood defences for another extra 145,000 homes over the period . ahead and that’s very important.' Flooding: A caravan park at Guarlford between Tewkesbury and Worcester surrounded by flood water as the river Severn burst its banks. Worcester County Cricket Club's New Road ground was left resembling a boating lake after waters poured into the stadium . Flood water surrounds St Michael and All Angels church in Tirley, Gloucestershire after becoming marooned in the floodwaters . Worcester racecourse is unlikely to have many races planned over the coming days after floodwater turned it into a lake . The Worcester bypass is just about high enough to stay above the water following the flooding along the River Severn .
Homeowners could face £20,000 excess on future insurance claims as a result of being repeatedly hit by floods .
Tewkesbury has been hit once already this year and suffered from devastating flooding in 2007 .
David Cameron today promised to take a 'tough approach' on negotiations with insurers over homes in danger of flooding as pictures emerged of its devastating effects in a town that has already been hit once this year. Residents in Tewkesbury are once again counting the cost of being hit by flooding from the River Severn and its tributaries following heavy rainfall - and it's just five years since the town was home to similar watery scenes. As a result people in the town could face excess on their damage claims of £20,000 as well as a rise in their insurance premium but the Prime Minister has said he will come down hard on insurers who fail to provide affordable cover. In 2007 Tewkesbury Abbey became a symbol of the town's plight as water crept ever closer to its foundations and now it looks like the town is suffering from the same fate. Scroll down for video . Waters get dangerously close to Tewkesbury Abbey after the nearby river burst its banks for the second time this year . Businesses and home-owners face yet another clean-up bill as property became flooded and defence systems failed under the sheer volume of water . Caravans in Forthampton, near Tewkesbury were tossed around like boxes after the floodwaters swallowed up the ground around them . St Asaph was under water today after the River Elwy burst its banks and hundreds of people were evacuated . The scale of the flooding was visible from the skies with huge bodies of water covering the land around the city . This picture shows how deep the water went in some places in the North Wales city . This time, however, the river was expected to peak at 4.8m - one metre lower than the peak five years ago. As this is the third time that the . town has witnessed such flooding insurers will once again facing picking . up the bill for damage done to many buildings. In turn it is likely that home and . business owners will face a rise in the amount they pay for their . interest and, more worryingly, a rise in the amount they pay for their . excess. In 2007 a couple in Powick, . Worcestershire, had their house flooded twice in the same summer. Chris . and Wendy Wreghitt were told their insurance excess would be £20,000 . after a 4ft wave of water washed across the road through their home. The six-bedroom detached house . suffered hundreds of thousands of pounds worth of flood damage to the . kitchen, living room and study. At the time Mr Wreghitt, 53, said Axa . dealt with them efficiently but when he went to renew his home . insurance a year later his premium jumped from £1,000 to £1,638. Then in . 2009 it more than doubled to £3,747. Initially Axa said their excess . would be £20,000 but once he complained it was lowered to £10,000. Here to help: Rescue services, visited by Mr Cameron, have been working together to tackle the flooding that has hit the area . The PM attended a Silver Command meeting at Gloucestershire Police HQ to see how they have been working to tackle the flooding . Prime Minister David Cameron meets staff at Gloucestershire Tri-Services, Gloucester, who are dealing with the flooding . Although the devastation is not yet as bad as that seen in 2007, these pictures show why insurers ask residents for a £20,000 excess . Flooding can be seen stretching for miles away from Tewkesbury after heavy downpours broke the banks of the River Severn . There is hope, however, after Prime . Minister David Cameron today promised to take a 'tough approach' on . negotiations with insurers over homes in danger of flooding. Up to 200,000 high risk properties are . at risk of being priced out of affordable cover when a deal struck in . 2000 between the then Labour government and insurers ends next summer. The Government has been in talks for two years but as yet an agreement . has not been reached. 'I'm sure we will do a deal,' Mr Cameron said. 'We are in negotiations at the moment. 'We need to take a tough approach . frankly and it's important insurance companies do what they are meant . to, which is provide insurance to households and we are going to make . sure that happens.' Mr Cameron said he was determined to reach an agreement. 'I am personally involved,' he said. '(Cabinet Office Minister) Oliver . Letwin is doing this negotiation on my behalf. The current situation we . have lasts until the middle of next year and we have some time to sort . it out. 'But I want to get it sorted. I've . seen myself in my own constituency the difficulty people have when they . can't get insurance. It's not just it makes them feel unsafe in their . own home but they can't sell their own home, so it's very important we . get this sorted on their behalf.' David Cameron speaks with Musky Kendall in Buckfastleigh, near Exeter, as she tells him how quickly the floods rose inside her house . Hedgerows are the only sign that this is flooded farmland and not a huge lake . David Cameron has vowed to get tough on insurers who charge people too much for cover for when they are flooded . Mr Cameron was speaking after he met . householders in the village of Buckfastleigh, Devon, which was struck by . flash flooding at the weekend. 'It is obviously very traumatic when . communities are hit by flooding like this but what I found are people . are incredibly steadfast and have behaved incredibly bravely at handling . the flood and now we need to help them with the recovery,' he said. 'We have to make sure their insurance . pays out, make sure the Environment Agency puts in place good flood . defences, make sure there are better warning schemes. There are always . lessons to learn and I wanted to come here and hear it for myself.' Mr Cameron also visited recently-built . flood defences on the River Dart, which have helped protect the local . area from worse flooding. The Prime Minister defended his Government’s . record on providing flood defences despite a cut in the budget. 'We are spending over £2 billion on . flood defences over the current four-year period, which is 6% less than . was spent over the last four years,' he said. 'But as well as that, we . are actually encouraging private and other money into flood defences and . making sure they are more efficient as we build them. 'I am quite convinced we are going to . provide flood defences for another extra 145,000 homes over the period . ahead and that’s very important.' Flooding: A caravan park at Guarlford between Tewkesbury and Worcester surrounded by flood water as the river Severn burst its banks. Worcester County Cricket Club's New Road ground was left resembling a boating lake after waters poured into the stadium . Flood water surrounds St Michael and All Angels church in Tirley, Gloucestershire after becoming marooned in the floodwaters . Worcester racecourse is unlikely to have many races planned over the coming days after floodwater turned it into a lake . The Worcester bypass is just about high enough to stay above the water following the flooding along the River Severn .
already been hit once this year. Residents in being hit by flooding from the River Severn and town could face excess on their damage claims of £20,000 as well as a rise in their insurance