{"id":65071,"date":"2022-12-16T14:31:24","date_gmt":"2022-12-16T14:31:24","guid":{"rendered":"https:\/\/cardiffjournalism.co.uk\/altcardiff\/?p=65071"},"modified":"2023-10-11T09:49:20","modified_gmt":"2023-10-11T08:49:20","slug":"how-future-flooding-could-affect-the-next-house-youre-looking-to-rent-or-buy","status":"publish","type":"post","link":"https:\/\/cardiffjournalism.co.uk\/altcardiff\/2022\/12\/16\/how-future-flooding-could-affect-the-next-house-youre-looking-to-rent-or-buy\/","title":{"rendered":"How future flooding could affect the next house you\u2019re looking to rent or buy"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">Cardiff ranks as the 6th most at-risk city from coastal based flooding in the world, causing insurance companies to prepare for the worst<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"512\" loading=\"lazy\" src=\"https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-1024x512.jpg\" alt=\"\" class=\"wp-image-65073\" srcset=\"https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-1024x512.jpg 1024w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-300x150.jpg 300w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-770x385.jpg 770w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-1536x768.jpg 1536w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-2048x1024.jpg 2048w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-1366x683.jpg 1366w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-1920x960.jpg 1920w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-585x293.jpg 585w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-1170x585.jpg 1170w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-1500x750.jpg 1500w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-293x147.jpg 293w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-1400x700.jpg 1400w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><noscript><img decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-1024x512.jpg\" alt=\"\" class=\"wp-image-65073\" srcset=\"https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-1024x512.jpg 1024w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-300x150.jpg 300w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-770x385.jpg 770w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-1536x768.jpg 1536w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-2048x1024.jpg 2048w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-1366x683.jpg 1366w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-1920x960.jpg 1920w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-585x293.jpg 585w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-1170x585.jpg 1170w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-1500x750.jpg 1500w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-293x147.jpg 293w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/IMG_4715-1400x700.jpg 1400w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/noscript><figcaption class=\"wp-element-caption\">In light of <a href=\"https:\/\/www.nestpick.com\/2050-climate-change-city-index\/\">Nestpicks most recent findings<\/a>, Extinction Rebellion\u2019s mural encourages us to notice the reality of climate change.<\/figcaption><\/figure>\n\n\n\n<p class=\"has-drop-cap\">A few  years ago Denise Ashurst, a member of Extinction Rebellion Cymru, decided to buy a house in Cardiff. While browsing housing websites, Denise noticed things that didn&#8217;t add up. \u201cSome properties were very recently done up with brand-spanking-new kitchens and yet the price seemed suspiciously cheap,\u201d she says.&nbsp; <\/p>\n\n\n\n<p>Denise was aware that flooding in Wales has been a regular occurrence in recent years and considered the implications this would have on insuring the property she was looking to buy. She said, \u201cI started looking at flood maps thinking, &#8216;If I\u2019m going to buy a house, where am I going to be safe?\u2019\u201d<\/p>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p><mark style=\"background-color:#ffffff\" class=\"has-inline-color has-black-color\"> If I\u2019m going to buy a house, where am I going to be safe?<\/mark><\/p><\/blockquote><\/figure>\n\n\n\n<p>Unbeknown to some homeowners residing in flood risk areas, while insurance premiums are relatively steady at this current time, there is a slow transition to risk-reflective pricing for household insurance. <\/p>\n\n\n\n<p>Wales has seen its fair share of flooding in recent years, and in response the Welsh government, after having declared a climate emergency in 2019, plans to invest \u00a3238 million to deliver flood and <a href=\"https:\/\/gov.wales\/programme-government\">coastal erosion commitments.&nbsp;<\/a><\/p>\n\n\n\n<p>While most populated areas benefit from a national network of flood defence infrastructure, climate change is posing an increasing threat for those living on the coast. For the 245,000 Welsh properties at risk from flooding, the question remains as to how the climate crisis will influence the future of home insurance in high risk areas.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-media-text alignwide has-media-on-the-right is-stacked-on-mobile\" style=\"grid-template-columns:auto 41%\"><div class=\"wp-block-media-text__content\">\n<p><h5>The climate crisis\u00a0<\/h5><p>According to the\u00a0<a href=\"http:\/\/www.biba.org.uk\/\">British Insurers Brokers Association<\/a>, of the 28 million properties in the UK, 1 in 6 properties are at risk from flooding. In accordance with current housing development trends, up to 20,000 houses in the UK are set to be built on flood risk areas this year alone. <\/p><\/p>\n\n\n\n<p><p>Rhys Griffith, senior communications officer at Natural Resources Wales, said that climate change is a vital consideration in much of their current work. The NRW has made valiant efforts to instigate flood defences and management systems through their\u00a0<a href=\"https:\/\/naturalresources.wales\/about-us\/our-projects\/flood-scheme-projects\/?lang=en\">Flood Risk Management projects.<\/a>\u00a0<\/p><\/p>\n\n\n\n<p><p>Rhys said, \u201cWe are unable to continue defending against the risk presented by <a href=\"https:\/\/cardiffjournalism.co.uk\/altcardiff\/2022\/12\/14\/how-the-next-generation-of-welsh-animators-are-tackling-the-climate-crisis\/\">climate change<\/a>. In vulnerable locations we will have to give serious consideration to adaptation or retreat.\u201d<\/p><a style=\"font-size: revert\" href=\"https:\/\/gov.wales\/sites\/default\/files\/publications\/2022-11\/guidance-for-flood-and-coastal-erosion-risk-management-authorities-in-wales_0.pdf\">The Welsh government\u00a0<\/a><span style=\"font-size: revert\">has now produced measures regarding adapting to climate change, saying that, \u201cIt is imperative that plans and investment projects consider the changing risks over the coming century.\u201d <\/span><\/p>\n\n\n\n<p><span style=\"font-size: revert\">The government has long been working alongside insurers to provide reinsurance coverage for properties in high risk areas, which seeks to keep householders premiums at a minimum. For the time being.<\/span><\/p>\n<\/div><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" width=\"451\" height=\"1024\" loading=\"lazy\" src=\"https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Blue-Entrepreneur-Personalities-Business-Infographic-3-451x1024.png\" alt=\"\" class=\"wp-image-65163 size-full\" srcset=\"https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Blue-Entrepreneur-Personalities-Business-Infographic-3-451x1024.png 451w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Blue-Entrepreneur-Personalities-Business-Infographic-3-132x300.png 132w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Blue-Entrepreneur-Personalities-Business-Infographic-3-770x1750.png 770w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Blue-Entrepreneur-Personalities-Business-Infographic-3-676x1536.png 676w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Blue-Entrepreneur-Personalities-Business-Infographic-3-338x768.png 338w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Blue-Entrepreneur-Personalities-Business-Infographic-3-475x1080.png 475w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Blue-Entrepreneur-Personalities-Business-Infographic-3-792x1800.png 792w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Blue-Entrepreneur-Personalities-Business-Infographic-3-293x666.png 293w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Blue-Entrepreneur-Personalities-Business-Infographic-3.png 880w\" sizes=\"auto, (max-width: 451px) 100vw, 451px\" \/><noscript><img decoding=\"async\" width=\"451\" height=\"1024\" src=\"https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Blue-Entrepreneur-Personalities-Business-Infographic-3-451x1024.png\" alt=\"\" class=\"wp-image-65163 size-full\" srcset=\"https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Blue-Entrepreneur-Personalities-Business-Infographic-3-451x1024.png 451w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Blue-Entrepreneur-Personalities-Business-Infographic-3-132x300.png 132w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Blue-Entrepreneur-Personalities-Business-Infographic-3-770x1750.png 770w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Blue-Entrepreneur-Personalities-Business-Infographic-3-676x1536.png 676w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Blue-Entrepreneur-Personalities-Business-Infographic-3-338x768.png 338w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Blue-Entrepreneur-Personalities-Business-Infographic-3-475x1080.png 475w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Blue-Entrepreneur-Personalities-Business-Infographic-3-792x1800.png 792w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Blue-Entrepreneur-Personalities-Business-Infographic-3-293x666.png 293w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Blue-Entrepreneur-Personalities-Business-Infographic-3.png 880w\" sizes=\"(max-width: 451px) 100vw, 451px\" \/><\/noscript><\/figure><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" \/>\n\n\n\n<p><strong>Watch this video explaining the article:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe class=\"zeen-lazy-load-base zeen-lazy-load\" title=\"Climate Change Explainer Video\" width=\"1200\" height=\"675\" src=\"about:blank\" data-lazy-src=\"https:\/\/www.youtube.com\/embed\/HjTIVeMvdTs?start=21&#038;feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><noscript><iframe title=\"Climate Change Explainer Video\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/HjTIVeMvdTs?start=21&#038;feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/noscript>\n<\/div><\/figure>\n\n\n\n<h5 class=\"wp-block-heading\">Insurance companies treading water&nbsp;<\/h5>\n\n\n\n<p>Referral to flood maps and assessing the risk before covering a property is now commonplace for insurers, who are increasingly vigilant of properties developed on flood plains. <\/p>\n\n\n\n<p>Communications officer at the Nationwide head office in Swindon said when people go through mortgage applications they have checks with solicitors regarding flood maps, as properties built in high risk areas are given a different treatment. She said, \u201cIt is more of a regular procedure as the damage it can do financially is huge.\u201d<\/p>\n\n\n\n<p>Throughout the home buying process adequate measures are in place to ensure homeowners are well informed, and it would be reasonable to assume that insurance companies are well prepared for the risks imposed by sea level rise, yet it seems that this is unchartered territory. Upon contacting multiple insurers, Admiral was one of the only companies to offer a response. <\/p>\n\n\n\n<p>James Carnduff, head of communications at Admiral, said they would, \u201cStruggle to answer questions regarding the current and future state of home insurance in Wales.\u201d Like many insurance companies contacted, enquiry was met with a referral to the Flood Re scheme.<\/p>\n\n\n\n<p>Created in 2013, the Flood Re scheme is a joint initiative between the UK government and insurers, providing insurance coverage for domestic properties situated in high risk areas. <\/p>\n\n\n\n<p>The aim of the initiative, which runs until 2039, is to ensure that homeowners see little rise in their insurance premiums regardless of location. However, upon its end date, <a href=\"https:\/\/www.floodre.co.uk\">Flood Re advises that<\/a>, \u201cInsurers offer policies based on actual risk to property.\u201d Going on to state that some homes may be uninsurable in the coming years.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Floodrisk-Map-1024x512.png\" alt=\"\" class=\"wp-image-65192\" width=\"765\" height=\"383\" srcset=\"https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Floodrisk-Map-1024x512.png 1024w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Floodrisk-Map-300x150.png 300w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Floodrisk-Map-770x385.png 770w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Floodrisk-Map-585x293.png 585w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Floodrisk-Map-293x147.png 293w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Floodrisk-Map.png 1150w\" sizes=\"auto, (max-width: 765px) 100vw, 765px\" \/><noscript><img decoding=\"async\" src=\"https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Floodrisk-Map-1024x512.png\" alt=\"\" class=\"wp-image-65192\" width=\"765\" height=\"383\" srcset=\"https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Floodrisk-Map-1024x512.png 1024w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Floodrisk-Map-300x150.png 300w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Floodrisk-Map-770x385.png 770w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Floodrisk-Map-585x293.png 585w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Floodrisk-Map-293x147.png 293w, https:\/\/cardiffjournalism.co.uk\/altcardiff\/wp-content\/uploads\/sites\/13\/2022\/12\/Floodrisk-Map.png 1150w\" sizes=\"(max-width: 765px) 100vw, 765px\" \/><\/noscript><figcaption class=\"wp-element-caption\">Natural Resources Wales\u2019 most <a href=\"https:\/\/maps.cyfoethnaturiolcymru.gov.uk\/Html5Viewer\/Index.html?configBase=https:\/\/maps.cyfoethnaturiolcymru.gov.uk\/Geocortex\/Essentials\/REST\/sites\/Flood_Risk\/viewers\/Flood_Risk\/virtualdirectory\/Resources\/Config\/Default&amp;layerTheme=0\">recent flood map<\/a>. The areas in green highlight flood risk from the sea and the areas in blue show river-based flooding.<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" \/>\n\n\n\n<h5 class=\"wp-block-heading\">Staying afloat as a homeowner<\/h5>\n\n\n\n<p>Some homeowners may benefit from this scheme, as when buying home insurance the insurer may pass the flood risk element of the policy to Flood Re at a fixed price. In turn meaning if a claim is made for flooding, the insurance company will pay and later be reimbursed.<\/p>\n\n\n\n<p>However, it is not applicable to homes built before 2009, indicative of the principle of avoiding development on areas of an unacceptable risk. <a href=\"https:\/\/www.unbiased.co.uk\/discover\/mortgages-property\/ownership-improvements\/how-much-is-home-insurance-on-average-and-what-does-it-cover\">Nick Green, a financial writer for Unbiased<\/a>, a website which connects financial experts with clients, said that, \u201cThe greatest factor affecting premium price is where your home is located.\u201d&nbsp;<\/p>\n\n\n\n<p>The future of home insurance in high flood risk areas remains uncertain, but one thing which is certain, however, is that while the premiums in Wales have seen a steady increase of 1.3% each year, this trajectory is set to skyrocket. <\/p>\n\n\n\n<p>When the Flood Re scheme dries up in 2039, flood insurance will be an unregulated free market.&nbsp;<\/p>\n\n\n\n<p>It seems that retreating to the coast for peace of mind actually requires mindful consideration, as purchasing properties in vulnerable areas is becoming a risky business. Due to Denise Ashurst\u2019s environmental expertise, she was able to find the ideal insurable property, but it wasn\u2019t easy.&nbsp;<\/p>\n\n\n\n<p><strong><mark style=\"background-color:#ffffff\" class=\"has-inline-color has-vivid-cyan-blue-color\">Top 5 high flood risk areas in Wales<\/mark><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cardiff&nbsp;<\/li>\n\n\n\n<li>Newport&nbsp;<\/li>\n\n\n\n<li>Gwent Levels&nbsp;<\/li>\n\n\n\n<li>Wider Gwent Area&nbsp;<\/li>\n\n\n\n<li>Pontypridd and Caerphilly<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Cardiff ranks as the 6th most at risk city from coastal based flooding in the world, causing insurance companies to prepare for the worst<\/p>\n","protected":false},"author":922,"featured_media":65146,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[7087,7937],"tags":[945,7900,7467,7898,3519],"coauthors":[7653],"class_list":["post-65071","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-long-reads","category-the-edit","tag-climate-change","tag-flood-risk","tag-flooding","tag-home-insurance","tag-housing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>how flooding affects home insurance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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