client stories

When a major leak caused extensive water damage to his rental property in Chorley, Lancashire, landlord Tim Emmerton faced the daunting task of navigating an insurance claim. With delays, paperwork challenges, and uncertainty along the way, he turned to Action Insurance Repair for expert support.

Tim Emmerton shares his experience and advice for others in this interview.

How Air Helped a Landlord Navigate a Stressful Water Damage Insurance Claim

Can you tell us what happened to your property?

An escape of water from a flexible pipe caused significant water damage to several areas of my tenanted rental property in Chorley, including the bathroom, kitchen, and dining room. Restore Fire and Flood helped with the immediate drying needs and recommended I speak with Action Insurance Repair to help with the repairs.

Was the process of getting your claim approved easy? What did you find most difficult?

No, it wasn’t easy. The most challenging parts were dealing with repeated delays and requests for additional documentation from my insurer. It is one of the worst experiences of my life. I won’t mention the broker, but I will not be insuring with them again.

How easy was it to source a company to provide the information and quotes that your insurer required?

Finding a trustworthy company wasn’t straightforward, but Action Insurance Repair stood out after being recommended. They were knowledgeable, professional, and provided a detailed itemised quote.

And what prompted you to approach Action Insurance Repair?

I wanted a project managed reliable company to provide quotes, quality workmanship and support for the necessary repairs and they were recommended by Restore Fire and Flood. Having clear and professional input from Action Insurance Repair made a big difference in keeping things moving with the insurance company.

Do you feel like your insurance company have dealt with your claim quickly and fairly?

Not entirely. There were delays and challenges in communication, and at some points they even just avoided answering questions. This made the process frustrating. However, with persistence and the right support, we managed to progress things.

Did you have to get any help from others to get this claim over the line?

Yes, I considered getting a loss assessor to deal with the insurance company but luckily, I have a friend who is an insurance broker, and they had the expertise to push the insurer for action. Their experience and advice were invaluable in speeding up key approvals, such as tenant relocation and strip-out works.

Are you happy with how your insurance company have settled the claim in the end?

The claim isn’t fully settled yet, but I’m pleased with the progress now that approvals for major works and tenant relocation are in place.

Would you recommend Action Insurance Repair to others in this situation based on the experience you’ve had?

Absolutely. They’ve been professional, responsive, and incredibly supportive throughout the process, which made a difficult situation much easier to manage. I’m keen to let the team keep everything moving.

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