Storm Claims

The Claims Group > Storm Claims

Were you treated fairly and your storm or flood damage claim settled reasonably?

If you’ve had a problematic Storm and/or flood Damage claim within the last 6 years (home or business) and feel you weren’t treated fairly by your insurer, we can help you get what you are rightfully entitled to.

If your claim was both valid and credible and exceeds £2,000.00 in value, please complete the form and we will review your circumstances. If we think we can help, one of our advisors will contact you to discuss your circumstances in more detail to determine how we might be able to assist in improving your claim situation.

This is likely to be introducing you to a specific bespoke loss assessing expert or if you prefer you can be contacted by multiple loss assessing companies.


No-Win No-Fee

If your situation has merit and the loss assessor is able to improve the settlement value of your claim, their services will be on a no-win no-fee basis so you have the reassurance there is no financial cost to you if your claim value cannot be improved.


Was your Storm/Flood Damage claim rejected unfairly?

There are numerous reasons why Storm and flood damage claims are rejected:

Incorrect information – If you gave wrong information at any stage about the proximity of the property to a source of water and whether you are aware of any previous flooding in the area which is likely to affect your claim.

Out of time – An insurer’s favourite reason when the policy states your claim must be notified within a certain time limit, often 30 days.

Reasonable Care
– You didn’t take reasonable care to answer all the questions on the proposal application truthfully and accurately – for example, you might not have told your insurers about a previous claim or a County Court Judgement (CCJ).

Investigations – Investigations show that storm conditions were not recorded in the area at the time when the claimed damage occurred or that the amount of water was not sufficient to constitute a flood by definition.

Pre-policy inception damage – Most insurance policies exclude damage which occurred before the commencement date of the policy.

Neglect – Signs of neglect where roof tiles were known to be loose and slipped and the high winds simply exacerbated an already precarious situation where it is argued there has been little or no loss to that which was already apparent.

Occupancy of the property – Some insurers decline claims where they say they were not made aware of who is living at the property or what the property is used for.

Accidental damage and gradually operating causes – many insurers decline claims on the basis that the incident was not an accident or has been happening over a lengthy period of time: – For example, if there were signs that a flat roof had been leaking prior to a storm incident or a basement was always damp through natural groundwater.


Why might your water damage claim be reduced?

Under-insurance – another insurer favourite where they say your policy sums
insured are not sufficient.

Scope of repairs – insurers commonly say they will only pay for repairs to specific damaged areas of your home only: an example would be water decoration damage in one wall of a room where insurers won’t pay for the other walls to be decorated or flooded basement which damages the electrical system which can only be reinstated with a significant rewire of the overall property.

Wear and tear – another insurer favourite where they say the damaged part of the property has little or no value as it is in poor condition and exclude it from the claim.

Unrelated uninsured damage – insurers often exclude damage which is discovered during a claim, which they say is not their responsibility; an example would be wood rot in a floor or roof.

Damage which is the responsibility of another party – insurers often reduce claims where they say another party is responsible.

 Use of insurers suppliers – many insurers have their own supplier arrangements to carry out repairs at pre-agreed costs and they will only agree settlements based on these costs which are often unrealistic and impractical.

Temporary accommodation – this can be an expensive part of a claim if it is necessary or practical when repairing damaged property – insurers often fail to mention home insurance policies provides this type of cover and when accepted will often arrange sub-standard accommodation with little or no provision for day-to- day living expenses.