Record water levels in Skane have resulted in widespread flooding, disrupting lives and raising questions about insurance coverage.

Experts warn that entire regions in Sweden may soon become "insurance deserts," where securing home insurance could be impossible due to heightened risks.

Citizens like Joost Sjostrom-Tiddens face uncertainties regarding compensation for water damages, as insurance companies may deny claims if houses are deemed improperly constructed.

Meanwhile, proactive individuals like Martin Lingheimer take matters into their own hands, building makeshift roads with tons of crushed stone to maintain access to their properties.

As water continues to encroach, residents are urged to check their insurance policies and take preventive measures to protect their homes.