Property Flood Damage: A Step-by-Step Guide to a Successful Claim
Recent extreme weather events serve as a stark reminder of the critical importance of preparation, robust insurance coverage, and proactive measures in mitigating the consequences of extreme weather.
This checklist will help you and your clients navigate the claims process more effectively, facilitating a smoother recovery from the impacts of flood damage:
1. Notify the Insurance Company Immediately
Contact the insurer ASAP to inform them of the flood damage and the possibility of a claim. For large claims, consider involving a loss assessor.
2. Document the Damage
Take clear photographs and videos of affected areas and damaged items. Keep samples of carpets or furnishings to support your claim.
3. Secure the Property
If safe to do so, prevent further damage by boarding up broken windows or arranging for emergency repairs. Consult your insurer before major repairs – and keep receipts!
4. Keep Records of Communication
Log of all communications with your insurer, including dates, times, and summaries of discussions in case disputes arise.
5. List Damaged Items
Create a detailed inventory of damaged belongings, including descriptions, approximate values, and purchase receipts if available, to speed up the claim.
6. Understand Your Policy
Review the insurance policy to understand coverage limits, exclusions, and the claims process. Set realistic expectations.
7. Don’t be pressured to accept the first offer insurers make
If the scope of work or cash settlement amount offered by the insurer is inadequate, seek expert advice, reports or alternative quotes.
8. You can use your own contractor
Clients can usually choose their own preferred contractor, but all quotes must be insurer-approved before they start work. Find a contractor with experience of property insurance claim processes, as it minimises delays.
If the worst happens, this checklist will smooth the property insurance claim process following flood damage to your or your client’s property.
If you or your clients have been affected by floods in the North-West of England, we can help.
Often with flood damage repair projects, the most challenging task is juggling more than one trade at a time. Our team of 15 covers the important trades, plus our interior styling and project management are second to none!
Get in touch with us via our 24/7 helpline by calling 01254 665 333 or book a survey.