Water Damage Claims

The Claims Group > Water Damage Claims

If you’ve had a problematic Water 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.

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.

Why might your Water Damage claim be rejected?

There are numerous reasons as to why a claim could be rejected:

Incorrect information – if you gave wrong information at any stage (for example, about how something got water damaged or your claims history), it could affect your claim.

Lack of due care – for example, leaving a tap running and as a result, the bath overflows causing water damage throughout the house.

Supporting evidence – many claims are declined on the basis of insufficient evidence.

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

Lack of reasonable care – to answer all the questions on the application truthfully and accurately – for example, you might not have told your insurers about a previous claim or a County Court Judgement (CCJ).

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

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.

Defective design and construction – many insurers exclude loss and damage which they say is the result of poor design and construction.

Accidental damage and gradually operating causes – many insurers decline claims on the basis that the incident was not an accident or has been happening for a long period of time.


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 actual damaged parts 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.
Wear and tear – another insurer favourite where they say the damaged part of the property has little value as it is in poor condition and exclude it is 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.

What should I do next?

If you feel you have a genuine disputed claim and have been treated badly

> Use the resources on this site and read our blogs to be fully informed where you stand

> Fill out our form and have an advisor assess your case
> Have access to your insurance details
(related to water damage claims, and how we increased amount)

For more information about insurance policies in general, visit our Know More page here.


We have over 25 years of unrivalled experience of buildings insurance matters, having worked with insurers and their claims handlers and loss adjusters.

We, therefore, know about their often sharp and unfair practices and the effects this has on property owners who do not know where to turn for advice and have the time and energy to fight for a fair claim settlement which is what they are entitled.

We take up the fight for insured people who have been unfairly treated and use our expertise and experience to get a fair and reasonable settlement.