How Flood Damage Occurs and Who Really Cares

There are too many ways in which your property can suffer flood damage to be ignored. Burst river banks are the usual winter culprit but there are others. This is what some of our Property Claim Assist insurance claim customers discovered in July 2021 after flash flooding.

That was the month when the impacts of surface water and sewage flooding were felt so deeply in London. Insurers didn’t seemed to care – not even enough to review the damage. Water poured into basement flats and cellars. This is because the Victorian sewers could not cope with the volume of water. Claims were left unprocessed, however, month after month, until we stepped in.

Marine flooding. This is where homes are flooded because sea defences are breached or a tidal surge occurs. In this case, property damage assessments need to take into account the salt, sewage and other substances carried within the sea water.

Groundwater levels can also rise in saturated land, to the point at which the ground cannot accept any more water. That’s when any more rain leads to groundwater flooding. The unabsorbed water has to go somewhere – perhaps into your home.

When you have sewage, soil, manure and other substances, as well as water, entering your own four walls, it’s a huge stress. There are hygiene concerns on top of all the worry about the financial losses suffered. You also experience fear about the length of time you might have to live differently, or elsewhere, until things are put right. You may have to fight to gain access to alternative accommodation. To do that, you may need your own loss assessor.

Experiencing flood damage is brutal. However, when you see no progress with your insurance claim, to signify you are at least starting the process of getting your home on the road to recovery, things become even bleaker.

That’s why Property Claim Assist acts fast. The minute a homeowner or commercial property owner utters the words, “I’ve been flooded.” We respond in a way that your insurer and their representative – the loss adjuster – may well not. We could sum this up as being swiftly, with concern and with the burning desire to make things better for you.

We aren’t focused on numbers and downsizing your claim. Simply put, we want to get you back to where you were pre-loss. We do this with no downgrading of your lifestyle, furnishings or possessions. To be clear, we are not a loss adjuster – trying to adjust a claim to a lower figure – but a loss assessor. Our job is to assess precisely what has been lost, the accurate replacement or repair cost and how to best put right the damage. All through the terms of your insurance policy.

A flood is a classic scenario is where you probably need our help, whether you know it or not. The more complex the claim the greater the opportunity to do things at a lesser cost or overlook them entirely. Our brief is to prevent that from happening.

Clients who suffered in the London July 2021 floods can give you every reason why you should instruct Property Claim Assist. We help you through your flood recovery and manage all of the required repair work. Allow us to do that and we won’t even charge you.

The next flooding incident is probably only days or weeks away. Do not try to handle your flood insurance claim yourself. That is unless you are 100% sure you won’t be out of your depth when facing up to the insurer’s loss adjuster. We are here, are typically free to use and are totally committed to you and your property.

With all of the extra expertise at our fingertips, from professional drying out equipment to top structural surveyors. We should receive floods of calls for help on 0333 577 2720, every time a flood incident occurs. It’s only the lack of awareness relating to why every homeowner or commercial property should appoint their own loss assessor to handle their claim, that stops that from happening.

Now you are aware, don’t go it alone with your flood damage claim!