0800 002 5819 claims@claimrite.co.uk

If your home has been affected by a flood, you may be looking for help to cover the costs of repairs and other expenses associated with the flooding. The first step is understanding the flood claims process and what resources are available to you as a homeowner. Read on to learn more about navigating this process.

Step 1: Document Damage and File Claim

The first thing you should do if your property suffers from flooding is take note of all damages that have occurred and begin to document them using photos or videos. After doing so, contact your insurance company to file a flood claim. Once your claim is filed, an adjuster will be dispatched to assess the damage and determine if it is covered under your policy.

Step 2: Wait for Adjuster Assessment

Once an adjuster arrives at your property, they will thoroughly assess the damage done by the flood in order to determine if it is covered under your policy. During this assessment, make sure that the adjuster documents everything accurately so that you can get full compensation for repairs and other expenses associated with the flooding. Note that if there are any discrepancies between what was documented and what you feel should be compensated, then you can dispute those items before signing off on the report.

Step 3: Receive Settlement Offer or Offer of Reinstatement Work

After an adjuster has completed their assessment, they will submit a settlement offer or offer of reinstatement work from your insurance company based on their findings. This offer should reflect all damages listed in the assessment along with any additional expenses related to remediation or relocation due to the flooding incident. Note that if you find that some damages are not covered in this offer or disagree with some of its contents, then you can dispute these items directly with your insurance company before signing off on it. 

Step 4: Sign Final Documents 

After reviewing your offers and resolving any disputes, sign off on all necessary documents provided by your insurer in order to receive full compensation or reinstatement work for damages sustained during the flooding incident. Keep copies of these documents for future reference in case any issues arise regarding payment or coverage down the line.         

Going through a flood claim can be a stressful experience but understanding how to navigate through it doesn’t have to be difficult –especially if you Call ClaimRite, we can deal with the full claim on your behalf. We would file the claim with your insurance company and make sure you get what you are entitled to. Claimrite can navigate you through the flood claims process to and get compensated for your losses quickly and effectively!