Flooding Damage can be caused by many factors ranging from flash flooding, locked drains, rivers bursting their banks etc. When it damages your property it is a very traumatic and frightening experience.
Flood water, no matter what the source, more often than not becomes contaminated with sewage and other pollutants. It is important that correct sanitation is carried out before building works take place or dehumidifiers are installed and the drying process commences.
Initial instinct may be to get repairs carried out quickly. However, insufficient drying and poor anti – fungal treatment can lead to wet and dry rot problems within the property. It is important to remove all affected plaster and timber work and to properly treat and dry out the premises before re-instatement works are undertaken. Balcombes have published a guide book ‘In the Event of a Flood; A Guide to Dealing with the Aftermath’.
Unexpected flood or water damage to your property can be a very stressful and upsetting experience. You can be confused and unsure as to how you should proceed. Insurance companies can very often add to that confusion and uncertainty and they almost expect you to know what to do. When you engage us we will act immediately to start your claims process. We will assess the damage and record all relevant details. We will give you professional advice in relation to your insurance claim and the support you need to return your home or business to normal again.
You should know that anything you say to the insurance company at this stage may affect your claim. You should not dispose of anything until your property has been inspected by a loss adjuster appointed by your insurance company. The onus is on you to prove your loss, and you could prejudice your claim if you dispose of the evidence.
Your insurance company will employ a Loss Adjuster to ‘adjust’ your claim. They are engaged by your insurance company to settle your claim as economically as possible. However, we are familiar with any additional benefits or extensions to cover that your policy provides, ensuring your receive your maximum entitlement under the terms of the policy.
We will work tirelessly on your behalf to get you the best settlement in an efficient manner, leaving you free to get on with the practical issues of looking after your family or business. We can offer you advice on some of these issues, e.g. protecting your property, alternative accommodation, disposal of damaged goods, salvage values, etc. However, the speedy submission of claim documentation, combined with our expert insurance knowledge, will ensure you obtain satisfaction from your insurers.
The truth is that without engaging a Loss Assessor to act on your behalf, how can you know what you are entitled to claim for and how to go about it? We offer professional advice to you and there is no obligation following a free initial consultation to assess your loss or damage. ‘Contact us’ and one of our experienced Property Claims Consultants will discuss the issues with you to see how we can help you with your claim.