Flood at a retail store
The insurers weren't happy to pay the claim. Once our legal specialists were involved, we quickly and decisively reached an excellent settlement.
Flood damage claims
Flood damage insurance claims
Flood water can damage almost everything it reaches. We take your flood insurance claim off your hands, from drying out your property to negotiating a fair settlement with your insurer.
- Free assessmentNo obligation, no upfront cost
- No win, no feeWe don't get paid until you do
- Your own loss assessorFrom first call to final settlement
Independent loss assessors
You don't have to deal with a flood claim alone
Following a flood, you have to prepare a complicated insurance claim, engage and oversee contractors and negotiate with your insurance company, often while living somewhere else. It's a lot to take on at a difficult time.
When you appoint us, a dedicated loss assessor manages the whole process. We make sure your property is thoroughly dried and sanitised by an experienced restoration company, so problems such as damp and dry rot don't appear later, and that your claim reflects the full extent of the damage.
Flood damage is often worse than it first looks. Water soaks into floors, walls and insulation, and contaminated flood water means many materials and belongings can't simply be cleaned. We make sure nothing is overlooked.
How we help
How we help with your flood claim
Proper drying
Professional drying, with moisture readings to confirm the building is dry before repairs start.
Alternative accommodation
Somewhere to stay while your home is dried and repaired, where your policy covers it.
Buildings and contents
A complete, well-evidenced list of everything that's been damaged.
Negotiation
We deal with the insurer and its loss adjuster on your behalf.
Reinstatement
We appoint and supervise contractors to put your property right.
Business floods
Stock, equipment and business interruption losses for commercial clients.
Need help right now? What to do after a flood or leak: our step-by-step checklist.
Your claim
Start your claim
What a flood claim can include
Depending on your policy, these are the areas we look at on every flood claim.
- Emergency work and strip-outPumping out water and removing damaged flooring, plaster and fittings.
- Drying and sanitisingProfessional drying and cleaning, especially important where flood water is contaminated.
- Repairs and reinstatementReplastering, flooring, kitchens, electrics and decoration.
- ContentsFurniture, appliances and belongings damaged by the water.
- Alternative accommodationSomewhere to live while the work is carried out.
- Business interruptionFor businesses, lost income while your premises are restored.
Recent cases
How we've helped clients
FAQs
See all FAQs
Common questions
What's the difference between flood and escape of water?
Flood usually means water entering from outside, such as overflowing rivers, surface water after heavy rain or the sea. Escape of water means water leaking from inside the property, such as a burst pipe or a leaking appliance. Policies treat them differently, so it's important the claim is made under the right section.
How long does it take to dry a flooded home?
It depends on how much water got in, how long it stayed and what the building is made of. It's often several weeks. Repairs shouldn't start until moisture readings show the building is dry, otherwise problems like damp and mould can follow.
Does my home insurance cover flooding?
Most standard buildings and contents policies in the UK include flood cover, but there can be exclusions and higher excesses, particularly in areas that have flooded before. We review your policy and explain what it covers.
Should I start cleaning up straight away?
Make the property safe and stop further damage if you can, but photograph and video everything first. Don't throw damaged items away until your insurer has seen them or agreed, and keep receipts for any emergency costs.
Related claims
All claims we handle
Other ways we can help
Get your first consultation free
Talk to an experienced loss assessor about your claim. No win, no fee.
Lines open Monday to Friday, 9am to 5pm.